1. I have emergency funds equal to 6 months income.
2. I save 15% or more of my gross income on an annual basis.
3. I have eliminated all consumer debt.
4. I have maximum property and casualty insurance.
5. I am comfortable with the current amount of taxes I am paying.
6. My estate plan is current and documented for both state and federal tax efficiency.
7. My life insurance and disability insurance is for full replacement value of my income.
8. I have adequate retirement savings to provide a guaranteed secure retirement income.
9. I have a written investment policy statement that is aligned with my objectives and risk tolerance.
10. My current investment allocations are based upon the efficient frontier philosophy and methodology.
11. I know the amount of internal and external fees in my investment holdings.
12. I am happy with my overall investment performance and returns.
If you answered "Yes" to:
12 out of 12 = Excellent! Stay the Course
11 out of 12 = Very Good! Update Where Needed
10 out of 12 = Good. Time to contact an SFG Advisor For a Complete Review
9 out of 12 (or less) = Contact an SFG Advisor for a Complete Analysis