Advisor's Playbook v4

Financial Diagnostic Tool

MFD & Insurance Advisory Protocol

Coach Note: Build rapport. Don't touch numbers yet.

If we were sitting here 3 years from today, what would have to happen for you to feel this meeting was a success? On a scale of 1-10, how much do you 'trust' your current financial plan to get you there?

Coach Note: Switch to 'Safety First'. Find the Human Life Value gap.

If your income stopped today, how many months could your family sustain their current lifestyle before things get 'uncomfortable'? What is your current total Life Insurance cover (Sum Assured), excluding employer-provided policies? Do you have any 'legacy' policies (Endowment/Money-back) that were bought just to save tax or help a relative?

Coach Note: Locate 'Lazy Money' and 'High Interest' debt.

What is the total balance currently sitting in your Savings Account / FDs right now? What are your current monthly EMIs? (Home, Car, Personal Loans) If the market drops 20% tomorrow, is your first instinct to 'Protect', 'Profit', or 'Panic'? Protect (Sell & Exit) Profit (Invest More) Panic (Worry but stay put)

Coach Note: Get the final SIP/Lumpsum potential.

What is the 'Big Goal' (Child Education, Retirement, Home) that keeps you up at night? Realistically, how much 'surplus' income can you commit to investing every month without feeling the pinch? Are there any upcoming lumpsum inflows (Bonus, Inheritance, Policy Maturity)?

Review the Client Profile

Next Step: Based on these inputs, I will design a "Gap Analysis Report" comparing where you are vs. where you want to be.