Financial Diagnostic Tool
Your Financial
Health Report
This assessment walks you through the same questions a financial advisor would ask in a first meeting. Take a few minutes to answer the questions below. Your responses will help identify potential strengths, gaps, and opportunities in your current financial strategy.
7
Sections
6
Categories
100
Point Scale
~12
Minutes
F
Financially Fragile
Score 0 to 39
R
Financially At Risk
Score 40 to 54
H
Financially Healthy
Score 55 to 74
S
Financially Secure
Score 75 to 100
Educational Use Only. This tool provides a quantitative financial snapshot for awareness and education. It does not constitute financial, investment, tax, or insurance advice. For personalized guidance, contact Michael Garibaldi at Garibaldi Consulting, licensed Colorado Life and Health Insurance Producer (License #368478).
Section 1 of 7: About You0%
About You
Income
Expenses
Savings
Debt
Protection
Future
Section 01About You
Q1 - Q4Let's start with the basics. These questions help put everything else in context. There are no right or wrong answers here, just honest ones.
Q01
How old is the primary earner in your household?
Please enter a valid age between 18 and 100.
Q02
What is your marital status?
Please select your marital status.
Q03
How many people depend on your household income?
Include children, elderly parents, or anyone else financially reliant on you. Enter 0 if none.
Q04
What are the ages of your dependents?
This helps assess life insurance and education planning needs. Leave blank if you have no dependents.
Enter ages separated by commas.
Please complete all required fields before continuing.
Section 02Income
Q5 - Q8Now let's look at what is coming in. Use your actual take-home amounts — what lands in your bank account after taxes, not your gross salary. If your income varies, use a realistic monthly average.
Q05
What is your total monthly household take-home income?
Combined net income from all earners after taxes and deductions
$
Please enter your monthly income.
Q06
Do you have any other sources of monthly income?
Rental income, side business, freelance, royalties, or part-time work. Enter 0 if none.
$
Q07
How many people in your household bring in income?
Please select an option.
Q08
Is anyone in your household eligible for a pension?
A guaranteed retirement income from an employer, government, or military service
Please select an option.
Please complete all required fields before continuing.
Section 03Monthly Expenses
Q9 - Q11This is where most people have the least clarity. We are going to separate your living expenses from your debt payments since they are different things. Take your time here. Look at a recent bank statement if you need to. Do not include debt payments in Q9 — those have their own section below.
Q09
What are your monthly living expenses?
Do not include loan or debt payments here. Enter what you spend each month to run your household. Enter 0 for anything that does not apply.
| Expense Category | Monthly Amount |
|---|---|
| HousingRent or mortgage payment | $ |
| UtilitiesElectric, gas, water, internet, phone | $ |
| Groceries and Household Supplies | $ |
| TransportationGas, insurance, registration, transit | $ |
| Insurance PremiumsHealth, dental, vision, renters or homeowners | $ |
| Childcare and Education | $ |
| Subscriptions and MembershipsStreaming, gym, software | $ |
| Dining Out and Entertainment | $ |
| Other Regular Expenses | $ |
| Total Monthly Living Expenses | $0 |
Please enter at least one expense amount.
Q10
What are your monthly debt payments?
Enter what you actually pay each month on each obligation. Enter 0 for any that do not apply.
| Debt Type | Monthly Payment |
|---|---|
| MortgagePrincipal and interest, if not already in housing above | $ |
| Auto Loan(s) | $ |
| Student Loans | $ |
| Credit CardsTotal monthly payments across all cards | $ |
| Medical Bills | $ |
| Personal Loans or Other Debt | $ |
| Total Monthly Debt Payments | $0 |
Please complete the debt payments section.
Q11
Your Monthly Financial Margin
Calculated automatically from your entries above. This is what remains after all expenses and debt payments.
Income minus Total Expenses and Debt Payments
--
Please complete all required fields before continuing.
Section 04Savings and Assets
Q12 - Q15Now let's take stock of what you have built. Pull up your account balances if you can. Ballpark numbers are better than nothing, but real figures produce a much more useful report. We look at liquid savings and retirement accounts separately because they serve very different purposes.
Q12
How much do you save or invest each month across all accounts?
Include retirement contributions, regular savings transfers, and any other monthly savings. Enter 0 if you are not currently saving.
$
Please enter a value. Enter 0 if not currently saving.
Q13
How much do you have set aside specifically for emergencies?
This should be money that is separate from your regular savings, easily accessible, and reserved for unexpected events like job loss, medical bills, or major repairs. If you do not have a dedicated emergency fund, enter 0.
$
Please enter a value. Enter 0 if none.
Q14
What are your current liquid savings and investment account balances?
Do not include retirement accounts here. Enter 0 for any accounts you do not have.
| Account Type | Current Balance |
|---|---|
| Checking Account(s) | $ |
| Savings Account(s) | $ |
| Money Market Account | $ |
| CDs (Certificates of Deposit) | $ |
| Taxable Brokerage Account | $ |
| HSA (Health Savings Account) | $ |
| Other Liquid Assets | $ |
| Total Liquid Assets | $0 |
Please complete the savings balances section.
Q15
What are your current retirement account balances?
If you have multiple accounts of the same type, combine them. Enter 0 for any you do not have.
| Account Type | Current Balance |
|---|---|
| 401(k) or 403(b) | $ |
| Traditional IRA | $ |
| Roth IRA | $ |
| Pension Value (estimated lump sum if known) | $ |
| Other Retirement Accounts | $ |
| Total Retirement Assets | $0 |
Please complete the retirement accounts section.
Please complete all required fields before continuing.
Section 05Debt Balances
Q16Earlier you listed what you pay each month. Now I need to know the full outstanding balances on each debt. These two numbers together tell us how long it will take to pay things off and how much pressure your debt is creating on your overall financial picture.
Q16
What are your current outstanding debt balances?
Enter the total amount owed on each debt, not the monthly payment. Enter 0 for any that do not apply.
| Debt | Total Balance Owed |
|---|---|
| MortgageRemaining balance on your home loan | $ |
| Auto Loan(s) | $ |
| Student Loans | $ |
| Credit Card BalancesTotal across all cards | $ |
| Medical Bills | $ |
| Personal Loans or Other Debt | $ |
| Total Outstanding Debt | $0 |
Please complete the debt balances section.
Please complete all required fields before continuing.
Section 06Protection and Estate
Q17 - Q20This section makes a lot of people uncomfortable, and that discomfort is worth paying attention to. These questions are about what happens to the people who depend on you if something happens to you. Most households are significantly underprotected in this area, not because they do not care, but because they have not had the conversation yet.
Q17
Do you have life insurance through your employer?
Coverage amount
$
Monthly premium (your cost)
$
Please select an option.
Q18
Do you have any personal life insurance policies outside of work?
Term, whole life, universal life, any policy you own yourself and not through an employer
Policy type
Total coverage amount
$
Monthly premium
$
Please select an option.
Q19
Which of these legal documents do you currently have in place?
Select all that apply. If you are unsure whether a document is current and legally valid, do not check it.
Q20
If you have minor children, have you legally designated a guardian for them?
Please select an option.
Please complete all required fields before continuing.
Section 07Future Planning
Q21 - Q25The last section. These questions look at retirement, life insurance adequacy, and education planning. Some require you to think forward, which can feel uncomfortable. Estimates are okay here. We are looking for order of magnitude, not precision.
Q21
How many years until you plan to retire?
If you are already retired, enter 0. If you are not sure, estimate when you would like to stop working full time.
Please enter years until retirement. Enter 0 if already retired.
Q22
How much are you contributing to retirement accounts each month?
Include 401(k), IRA, Roth IRA, or any accounts specifically for retirement. Do not include general savings here.
$
Please enter a value. Enter 0 if not currently contributing.
Q23
How much life insurance coverage does your household actually need?
Most people do not know this number. Work through these four components one at a time and we will calculate it for you.
Income Replacement
If you died tomorrow, how many years would your family need your income replaced, and how much per month?
A common guideline is until your youngest child is independent or your spouse reaches retirement age. Most families use 10 to 20 years.
years at
$
per month
Debt Payoff
How much debt would need to be paid off immediately to stabilize your household?
Include mortgage, auto loans, credit cards, and any debt your family could not carry without your income. You entered your balances in Section 5 — use that total as your starting point.
$
Final Expenses
Estimate the cost of your funeral and final medical expenses.
The national average is approximately $15,000 to $25,000. If you are not sure, $20,000 is a reasonable starting estimate.
$
Education
If you have children, how much would you want set aside for their education?
Enter 0 if you do not have children or do not plan to fund education. The average four-year in-state public university runs approximately $100,000 to $120,000 total today.
$
Estimated total life insurance need
$0
Q24
Do you plan to contribute to a child's education fund?
Amount currently saved for education
$
Monthly contribution toward education
$
Please select an option.
Q25
How would you describe your overall approach to retirement planning right now?
Please select an option.
Please complete all required fields before continuing.
Financial Health Check: Assessment Report
Financial Health Report
Overall Rating
0
/ 100
Areas of Strength
Areas Needing Attention
⚑Diagnostic Flags: Critical Observations
Category BreakdownScore / Max · Status
Key Financial Ratios
Educational ContextUnderstanding your results
Next Steps
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Phone
970-589-1763
Email
michael@garibaldiconsulting.com
Based in
Grand Junction, CO
This report is generated solely from self-reported inputs for educational and awareness purposes only. It does not constitute financial, investment, insurance, tax, or legal advice. For personalized guidance, contact Michael Garibaldi at Garibaldi Consulting, licensed Colorado Life and Health Insurance Producer (License #368478).
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Thanks for using the Garibaldi Consulting Financial Health Check. If you have questions about your results, reach out anytime at michael@garibaldiconsulting.com or call 970-589-1763.