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Lifestyle Sustainability Scorecard™
What is the Lifestyle Sustainability Scorecard™?
Finding out where you are today is the first step in minimizing the risks to your family’s lifestyle. To provide a clear picture, the team at Reby Advisors invented the Lifestyle Sustainability Scorecard™, a pragmatic financial assessment tool designed to measure how well you are minimizing these risks. Through this process, our team will help you understand the best ways to reach your goals.
Once completed, the Lifestyle Sustainability Scorecard™ identifies areas that are susceptible to risks that can affect and potentially impede your financial goals. The CERTIFIED FINANCIAL PLANNERS™ at Reby Advisors use this proprietary rating system to help construct your customized wealth management plan, getting you on the path to Financial Lifestyle Security.
| Client Name |
Weighting |
Sample Score |
| Life Policy Clarifier |
5% |
5% |
| Liquid Purpose Fund |
2% |
2% |
| Income Capability (Withdrawal Realities, Social Security & Pensions, Disability Income Insurance, Life Insurance) |
25% |
21% |
| Lifestyle Preservation Enhancer (Return on Behavior, Reducing the Chance of Outliving Your Assets through Investment Policy Statement, Asset Allocation, Retirement Income) |
30% |
5% |
| Income Tax Reduction |
10% |
5% |
| Legacy Assurance (Documents, Titling, Beneficiaries) |
18% |
0% |
| Independence Assurance (Long-Term Care Insurance) |
5% |
5% |
| Debt Management |
5% |
5% |
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100 |
48% |
| SCORE |
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| 85-100 Financial plan supports your objectives |
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Excellent |
| 71-84 Financial plan needs more focus on your needs |
Good |
| 55-70 Important aspects at risk |
At Risk |
| < 55 Financial plan overhaul is necessary |
Danger |
| DO YOU KNOW YOUR SCORE? |
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©2009 Reby Advisors *For illustrative purposes only, individual circumstances may vary.
How close to 100 is your score?
How Can the Lifestyle Sustainability Scorecard™ Help You?
For prospective clients, using the Lifestyle Sustainability Scorecard™ can be an eye-opener. Our experience is that too few families know their score, leaving many of them at risk or in danger. We find that even in cases where some of today’s challenges are being met, others that are less obvious go unnoticed. Through the Reby Way to Lifestyle Sustainability™, we have been able to help most of our clients reach scores of 85-90 within 12-18 months.
For existing clients, the scorecard tracks progress in achieving goals allowing the Reby Advisors team to validate the advice they provide through the ongoing evaluation of an existing financial plan. Because the scorecard helps clarify the risks, we have found that clients who use it become more engaged in the process and focused on implementing recommended risk mitigation strategies.
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