Our comprehensive assessment analyzes your complete financial picture to identify gaps, mistakes, and opportunities.

What We Assess

• Emergency Fund Status: Are you protected against financial emergencies?
• Employer Benefits: Are you leaving free money on the table?
• Debt Situation: What are high-interest debts costing you?
• Investment Rate: Are you on track for your goals?
• Account Optimization: Are you using the right account types?
• Life Stage Planning: Are your goals funded appropriately?

Why It Matters

Most people have 3-5 critical financial gaps they don't even know about. Each gap has a real dollar cost. Our scan identifies exactly where you're losing money and what to fix first.

Based on your assessment, you'll receive a prioritized action plan that tells you exactly what to do, how to do it, and why it matters.

How We Prioritize

Actions are organized by urgency and impact with realistic timelines:

• URGENT (This Week): High-impact actions you can complete immediately
• Phase 1 (Months 1-3): Foundation-building steps
• Phase 2 (Months 4-12): Debt elimination and emergency fund
• Phase 3 (Year 2+): Wealth acceleration

Staged Approach

We don't ask you to go from 5% savings to 20% overnight. We show you how to get there in stages, one manageable step at a time.

See exactly what your financial future looks like on your current path versus following our recommended plan—and understand what waiting is actually costing you.

Current Path vs Recommended Path

We show you both paths side-by-side so you can see the real dollar impact of taking action vs. doing nothing.

Inflation-Adjusted Reality

We show both nominal dollars and today's purchasing power, so you understand what that $1 million will actually buy.

Key Metrics

• Net worth projections (nominal and real)
• Monthly passive income potential
• Cost of waiting to take action
• Timeline to financial independence

The Conversation

Results are presented as a financial planning discussion, not just numbers on a page. We explain what the numbers mean for your actual life.

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Financial Foundation Audit v6.2.2

Designed for young professionals (22-29) who want to build wealth intelligently.

How It Works

This tool acts as your personal financial advisor, identifying critical gaps in your financial foundation and providing a prioritized, staged action plan to fix them.

What Makes This Different

Most online calculators just spit out a number. This tool diagnoses your specific situation, quantifies what your gaps are actually costing you, and gives you a prioritized fix—not a generic list of 10 tips, but ONE clear action to take this week.

Key Assumptions

• 8% average annual investment returns (historical market average)
• 3% annual income growth (typical for early-career professionals)
• 4% safe withdrawal rate for passive income calculations
• 3% annual inflation rate
• 18% average credit card interest rate

Important Disclosures

• This tool provides educational information and general guidance only. It does not constitute personalized financial advice or recommendations to buy/sell specific securities.
• Your individual circumstances may require different strategies. This tool cannot account for all personal factors.
• Past performance does not guarantee future results. All investments carry risk, including possible loss of principal.
• Consult with a qualified financial advisor before making investment decisions.
• Raymond Sura is a licensed financial professional (CRPC®, EA) but this tool does not create an advisor-client relationship.

Future Millionaire Playbook
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