For families, not just portfolios
Your finances- savings, insurance, retirement, and your estate plan are not separate purchases; they work together as floors, walls, and a roof holding up the same structure. See which part of yours is thin, in about three minutes, before anyone tries to sell you anything.
Free · No account numbers · No document uploads
Every layer rests on the one beneath it. A gap low in the house puts everything above it at risk.
Build from the bottom up. You cannot invest your way out of a missing foundation, and a roof over open walls protects nothing.
01 — Foundation
Three to six months of expenses in reach, income you can count on, and debt that is shrinking instead of growing. This is what keeps one surprise from becoming three.
02 — Walls
The walls are where the house gets taller: assets that keep growing and liabilities that keep shrinking. Every dollar added on one side or removed from the other raises your net worth — and net worth is what retirement is actually built from.
03 — Roof
The roof is insurance first. It's what stands between your family and an accident, an illness, an injury, a long sickness, or the loss of a life — life, health, disability, long-term care, and property coverage doing the work. The estate documents sit under that same roof so the coverage lands where you intended.
A gap is not a product you forgot to buy. It is the distance between an ordinary life event and what your plan can absorb. Think of it like a leak in the roof: small at first, but left alone it can cause serious damage to everything beneath it.
An emergency that costs more than you can cover without borrowing or selling something you meant to keep.
The distance between what retirement will cost every month and what is guaranteed to show up every month.
Policy limits set years ago against a house, a business, or a net worth that has grown since.
No will, an outdated trust, or a beneficiary form that still names someone from a previous chapter of your life.
A loan scheduled to end well after your paycheck does, quietly consuming the retirement income you planned to spend.
Pieces bought one at a time from different people, with nobody ever looking at the whole structure at once.
Interactive
Twelve yes-or-no questions, about two minutes. You get a plain-English summary of where your house is thin and what to do next — no account numbers, nothing saved unless you ask.
Optional audio explains the leaky-roof analogy as you answer.
The one question
“If you had to survive six months of the unexpected starting tomorrow — would your finances hold up, or would they buckle?”
Most people answer “probably fine” and are surprised by which layer gives first. It is rarely investments. It is usually a deductible nobody budgeted for, a coverage limit set a decade ago, or a beneficiary form nobody has opened since a wedding.
The gap check walks the same house a licensed professional would walk with you — one layer at a time, in plain language.
It is a simple way to picture your whole financial life as one structure. The foundation is your cash, income, and debt. The walls are growth — increasing assets and lowering liabilities so your net worth keeps rising. The roof is protection: life, health, disability, long-term care, and property insurance that shelters you from accident, illness, injury, and loss of life, plus the documents that decide who speaks for you and who gets what. Every layer depends on the one below it.
You cannot invest your way out of a missing foundation. If one emergency forces you to sell investments or borrow at a high rate, the growth you were counting on disappears. Fix the layers from the bottom up: cash first, protection second, then growth and legacy.
A gap is any place where a normal life event would cost you more than your plan can absorb — no emergency fund, coverage limits below what you actually own, no will or an outdated beneficiary, a retirement income shortfall, or a mortgage that outlives your paycheck.
The gap check is free. It asks about your state, age range, household, and which areas concern you. It does not ask for account numbers, Social Security numbers, or document uploads. You get a tracking code, and if you ask to be contacted, a licensed professional in your state can follow up.
No. You can run the gap check on your own and keep the results. If a gap needs a licensed professional — insurance, estate documents, mortgage, or retirement income — you can request one in your state.
Three minutes now is cheaper than finding the gap during the emergency.