Your Personal Wealth Scorecard

Whether you're a startup employee, senior manager, or C-suite executive, wealth planning can be one of the most powerful tools to manage your financial life and maximize your earnings potential. It can help avoid surprise tax bills and diversify your portfolio. Take the quiz below to see how well you know your personal wealth and are maximizing potential.

This survey takes approximately 5–7 minutes to complete.

For each statement, score yourself from 1 (Needs Attention) to 5 (Strong).

Cash Needs

I know how much money comes in each month (after taxes) and how much I spend.

I keep an emergency fund with 3–6 months of living expenses, separate from my investments.

I have a plan for big expenses (like education, buying a home, or starting a business) without compromising my long-term savings.

Investment Strategy

My investments are set up to balance growth, income, and short-term cash needs, as appropriate for my situation.

I use different types of investments (like stocks, bonds, real estate, or alternatives) where appropriate.

I check regularly to make sure my investments still match my goals and life situation.

Executive Compensation

I understand my pay package, including bonuses, stock, or options—when they vest, expire, or what happens if I leave.

I have a strategy to slowly sell or diversify company stock so I’m not too concentrated.

I understand the taxes I’ll owe on each part of my pay and benefits.

If I get a bonus that allows me to choose between cash, stock, or options, I have a clear decision-making process.

Tax Efficiency

I’m confident my paycheck is withholding the right amount of taxes (federal and state), not too much, nor too little.

I review my investments for tax-saving opportunities (like tax-loss harvesting or charitable giving).

I have a strategy for equity compensation, RSUs, and options that minimizes surprise tax bills.

I think about the after-tax impact before I make investment decisions.

Risk & Protection

I know how much of my total wealth is tied up in company stock as a % of my total net worth.

I’ve tested how my finances would hold up if the market dropped or interest rates spiked.

My plan covers unexpected life events like disability, divorce, or long-term care needs.

Retirement

I know what my target “North Star” number is (target amount of assets to feel financially independent and stop working).

I know how I’ll take money from different accounts (taxable, IRA/401k, Roth) in a tax-efficient way when it’s time to withdraw from my portfolio.

My retirement plan includes healthcare costs, inflation, and the chance I could live well into my 90s.

I know how Social Security, pensions, or other income will fit into my retirement.

Estate & Legacy

My will, trusts, and beneficiary designations are up to date and match my financial plan.

I’ve chosen a guardian if I have minor children.

I have a plan to pass on wealth that reduces taxes and makes the biggest impact for my family or causes I care about.