| 1 | Client snapshot | Show you understand the family. | Income, family size, key debts, liquid cash, biggest goals. |
| 2 | Executive recommendation | Give the answer early. | Top 5 ranked actions and what to delay. |
| 3 | Cash-flow baseline | Explain what is affordable. | Net income, fixed expenses, debt payments, savings gap, assumptions. |
| 4 | Debt management plan | Show exact payoff order. | Minimums, avalanche order, balance transfer/refi ideas, behavior guardrails. |
| 5 | Emergency fund + banking | Protect the plan from shocks. | Starter target, full target, where money comes from, account setup. |
| 6 | Benefits, HSA, retirement | Capture free money and tax advantages. | Employer match, HSA/FSA option, retirement contribution changes. |
| 7 | Insurance risk review | Prevent one event from breaking the plan. | Life, disability, health, auto/home deductibles, coverage gaps. |
| 8 | Taxes and refunds | Turn refunds into planned cash flow. | Withholding, credits, tax prep cost, refund allocation. |
| 9 | Family goals trade-offs | Prioritize college, caregiving, house, cars, weddings, retirement. | What is funded now, later, reduced, or paused. |
| 10 | 12-month implementation calendar | Make it doable. | Month 1, 3, 6, 12 steps with dollar targets. |
| 11 | Assumptions and sensitivity | Defend missing data. | Expense assumptions by family size, interest-rate assumptions, conservative ranges. |
| 12 | Closing/Q&A | End with confidence. | Restate top three moves and expected outcome. |