Numbers
- Monthly income and fixed obligations
- Liquid cash and emergency fund gap
- Debt balances, APRs, and payoff order
- Employer match or benefits left unused
Advice
- Ranked priorities, not scattered suggestions
- Clear “do now / delay / avoid” list
- Specific use of tax refund, inheritance, stimulus, or freed-up payments
- One-year action calendar
Risk
- Life insurance need for dependents
- Disability and health insurance check
- Auto/home deductible review
- Catastrophic risk before optional goals
Presentation
- Executive summary by slide 2
- Simple tables, no text walls
- Assumptions labeled
- Each speaker owns a section