What is the Financial Resilience Diagnostic?

The Financial Resilience Diagnostic is a structured 45-minute financial review for high-income households in New York, New Jersey, Maryland, and Texas. It identifies income protection gaps, disability coverage shortfalls, and estate planning exposures. Phase 1 is at no charge and produces a written Financial Exposure Map. Business owners use the companion Business Financial Resilience Diagnostic (BFRD).

Who is the Financial Resilience Diagnostic designed for?

The diagnostic is designed for dual-income professional households earning $200,000 or more in the NY, NJ, and MD metro areas. It is especially relevant for professionals with significant employer benefits who have never had someone map what those benefits actually cover and where the gaps are. Phase 1 is free.

What does the Financial Resilience Diagnostic produce?

Phase 1 produces a one-page written Financial Exposure Map identifying your specific disability income gap, life insurance shortfall, and estate planning exposure based on your actual compensation structure, existing policies, and obligations. The map is delivered within three business days of the session and requires no follow-up commitment.

The Financial Resilience Diagnostic

What it is, what it produces, and why the households that need it most often don't know they do.

What it is

The Financial Resilience Diagnostic is a 45-minute structured review of your household's financial exposure. Not your investments. Not your tax strategy. The layer underneath those — what happens to your household's income if something interrupts it.

It ends with a written one-page Financial Exposure Map: where you're covered, where you're not, and where the gap is large enough to matter. You keep the document regardless of what comes next.

Six pillars it covers

Income Continuity

What your household actually receives if you can't work for 12, 24, or 60 months. Group LTD almost always leaves a gap.

Liquidity & Buffer

How many months of runway you have when income stops or a large bill hits, and how quickly you can reach the cash.

Health & Care

What a serious illness or a long-term care need would cost your household, and what is in place to cover it.

Market & Inflation Defense

Whether your savings and income hold up through a downturn or several years of rising prices.

Longevity & Retirement

Whether the income structure you're building holds together under an early disability or forced retirement — not just at the planned date.

Legacy & Estate

Whether life insurance and beneficiary designations cover what your household would actually need — income replacement, mortgage, debt, dependents.

What this is not: A product pitch. Phase 1 is a diagnostic — I don't recommend anything during the session. If the Map surfaces something to address, we schedule a separate conversation. That conversation happens only if you want it to.

The $0 phase: Phase 1 is complimentary. You get the diagnostic session and the written Map with no charge and no obligation. Most people find it useful regardless of what they do next.

Who benefits most

Households with incomes above $150K who have done the basics — contributed to retirement accounts, bought some insurance, made a will — but have never had someone go through the whole picture as a system. The gap is almost never between "no coverage" and "some coverage." It's between coverage that was assembled piecemeal and a financial picture that holds together under pressure.

Schedule Phase 1

45 minutes. Written output. No charge.

Book at apbfinancialarchitect.com/hfrd