Elements Calculator

Financial Elements Questionnaire

Get Familiar with Your Financial Elements

Answer a few questions to estimate your key financial “vital signs.” Results are for education only.

Income & Spending

Total Annual Income (before tax)

Used for Savings, Burn, Debt, and Tax Rates. (pg. 2–3)

Annual Savings (all accounts)

Estimated Annual Spending (excl. debt payments)

Used for Burn Rate and all “Term” metrics. (pg. 2–4)

Annual Debt Payments

Total Annual Taxes

Age

Target Retirement Date

Cost of Living / Location

Assets & Net Worth

Total Liquid Assets (cash & after-tax investments)

Used for Liquid Term (pg. 3).

Total Retirement / Qualified Accounts

Total Real Estate Equity

Total Business Equity

Current Net Worth

Used for Total Term (pg. 4).

Investable Assets

Total Investable Assets

Total Equity Mix (amount in equities)

Insurance Adequacy (0–100%)

Life Insurance – Self (%)

Life Insurance – Partner (%)

Disability – Self (%)

Disability – Partner (%)

Total Liability Coverage (%)

Insurance Rate = average adequacy across coverages shown (pg. 5).

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

To understand your score Click Here for the Guide

Elements is not affiliated with Cetera Wealth Services, LLC. Cetera is under separate ownership from any other named entity. This tool is only intended to illustrate mathematical principles and is not intended to portray investment performance of any particular product or strategy. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Neither Cetera or any of its representatives may give legal or tax advice.

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