Name *

First Name

Last Name

Phone

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INSTRUCTIONS: Complete all fields. Answer “YES” or “NO” to each of the 10 test question and then tally your score by counting the number of times you answered “YES”.

1. Do you have an RSU plan in place?

Yes

No

2. Do you have a Mega Backdoor Roth in place and did you truly max out employee contributions to your 401(k) in 2024 by contributing over $50,000 (Many people erroneously believe that the maximum employee 401(k) contribution is $23,000 for 2024. That's only pretax. In most cases, the maximum aggregate employee contributions are usually around $57,500 for most employees under the age of 50).

Yes

No

3. Have you consolidated your old 401(k)s into an IRA?

Yes

No

4. Do you and all members of your household have Roth IRAs and max out contributions every year?

Yes

No

5. Do you have an HSA and annually fund it?

Yes

No

6. Has your investment portfolio generally performed as well or better than the S&P 500 over the long term and without excessive concentration risk (i.e. no stock over 20% of your investments)?

Yes

No

7. Do you have a revocable trust in place or some other form of estate planning?

Yes

No

8. If you have children, have you set up for them and annually fund their 529 plans and/or Roth IRAs?

Yes

No

9. Do you hold your high risk / high return assets (e.g. Bitcoin, tech stocks) in tax-efficient accounts that will avoid capital gain and income taxes?

Yes

No

10. Are your investments tax loss harvested every year?

Yes

No