Thresholds calibrated for mid-career. Move the slider to adjust standards to your practice stage.
MarkerYour valueReference rangeStatus
System 1 — Liquidity
Cash liquidity
How many months of expenses available in cash?
Strong: ≥3 mo Watch: 1–3 mo
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Cash flow ratio
% of monthly income remaining after expenses
Strong: ≥20% Watch: 5–20%
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System 2 — Debt load
Debt-to-income
Monthly debt payments ÷ gross income
Strong: <28% Watch: 28–36%
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Credit utilization
% of revolving credit in use (credit cards, lines of credit, etc.)
Strong: <10% Watch: 10–40%
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High-interest debt
Carrying balance >15% APR?
Strong: None Flag: Any balance
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Fixed vs variable rate debt
% of total debt that is long-term fixed rate
Strong: ≥70% fixed Watch: 40–70% fixed
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System 3 — Growth trajectory
Investing rate
% of gross income invested
Strong: ≥15% Watch: 5–15%
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Net worth trend
Direction over the past 12 months
Strong: Growing Flag: Declining
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Retirement contribution
Contributing to a retirement account?
Strong: Contributing Watch: No match captured
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Retirement progress calculator
Calibrated to your practice stage — are you on track for your target?
Retirement target ($)
Total investable net worth today ($)
Current progress
Where you should be at each stage
Trajectory assumes 7% annual growth on existing assets. In a survey of 2,676 dentists, the median was 45% of the way to their target and the average shortfall was $2.8M.
Enter both fields above to see your retirement trajectory.
System 4 — Protection
Income protection
Disability or income replacement coverage
Strong: Independent policy Watch: Employer only
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Life insurance
Do you have adequate life insurance coverage?
Strong: Adequately covered Flag: No coverage
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Estate basics
Will and beneficiaries current?
Strong: Current Flag: None in place
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System 5 — Behavioral health
Budget adherence
Typically staying within plan?
Strong: Usually Flag: No plan
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Financial stress level
Self-reported (1 low – 10 high)
Strong: 1–3 Watch: 4–6
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System 6 — Concentration risk
Largest single asset
% of net worth in one asset or account
Strong: <30% Watch: 30–60%
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Practice/business equity concentration
% of net worth tied to your business or practice equity
Strong: Diversified Flag: Income + equity concentrated
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Hard asset ratio
% of investable net worth in real/hard assets (real estate, private equity, notes, commodities)
Strong: ≥30% Watch: 10–30%
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Market correlation exposure
If markets dropped 40% tomorrow, what % of your net worth would be directly impacted?
Strong: <40% Watch: 40–70%
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System 7 — Alignment
Spending reflects priorities
Does where money goes match what matters?
Strong: Aligned Flag: Significant mismatch
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Financial goals defined
Do you have clear, stated goals?
Strong: Specific goals Watch: No goals defined
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Spouse / partner alignment
Are you and your partner financially aligned on goals and priorities?
Strong: Aligned Watch: Partial alignment
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System 8 — Cash flow New
Active vs passive income ratio
% of total income that is passive
Strong: ≥30% passive Watch: 10–30% passive
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Income volatility
Consistency of monthly inflows
Strong: Stable Watch: Moderate variation
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Passive income sufficiency
Passive monthly income as % of monthly expenses
Strong: ≥75% Watch: 25–75%
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Business dependency ratio
% of income requiring your direct effort
Strong: <70% Watch: 70–90%
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Generates a print-ready PDF summary of your Financial Health Panel results.
Self-reported snapshot for personal awareness only. Reference ranges reflect general financial planning benchmarks — not personalized advice. No data is stored or transmitted.
StrongWatchFlagShaded zones match reference ranges
