Veracity LD

Financial Planning Tools

Confidential Client Tool
Financial Needs Analysis

Understand Your Client's
Complete Financial Picture

A comprehensive tool to identify protection gaps, retirement readiness, and income replacement needs — all in one professional assessment.

1
Enter client details
2
Input current coverage
3
Review gap analysis
4
Download full report
Client Profile
Basic personal & household information
Income & Expenses
Annual figures for the household
$
$
$
Rental, investment, other
$
$
$
Loans, credit cards, etc.
Assets & Current Coverage
What the client already has in place
$
$
$
$
$
$
$
Current total across all accounts
$
Trust, will-directed assets, etc.
$
Existing lump-sum CI policy
$
Current LTC daily benefit
Financial Goals & Needs
Select all that apply to this client
Life Insurance
Disability Protection
Retirement Planning
Emergency Fund
Education Funding
Estate Planning
Critical Illness
Long-Term Care
Planning Assumptions
Adjust for client scenario
70%
40%100%
6%
1%15%
3%
0.5%10%
20 yrs
5 yrs50 yrs
$80,000
$20k$400k
$100,000
$25k$500k
$200/day
$50/day$600/day

Gap Analysis Results

Updates automatically as you enter data

Client
—
Total Household Income
$0
Gross annual
Life Insurance Need
$0
Based on income replacement + debts
Current coverage: $0
Calculating…
Disability Income Gap
$0/mo
60% of gross monthly income target
Current coverage: $0/mo
Calculating…
Retirement Savings Target
$0
At retirement age
Current on track: $0
Calculating…
Emergency Fund Status
$0
Recommended: 6 months expenses
Current fund: $0
Calculating…
Education Funding Gap
$0
Total target across all children
Current savings: $0
Calculating…
Estate Planning Need
$0
Total net estate target (income × 5)
Current estate assets: $0
Calculating…
Critical Illness Coverage
$0
Lump-sum target for serious illness
Current CI policy: $0
Calculating…
Long-Term Care Gap
$0/day
Daily benefit target for LTC needs
Current LTC benefit: $0/day
Calculating…
Overall Coverage Score 0%

This analysis is for illustrative purposes only and does not constitute financial advice. Results are estimates based on general assumptions.