Take the Stoplight Assessment ©
Are you filling this out for Single or Household?
What is your annual income (before taxes are taken out of your paycheck) this year?
Net worth: Total up all of your assets, including real estate - then (minus liabilities including mortgage)
Total amount of money you systematically (intentionally) save towards retirement this year
Current total debt: mortgage, student loans, credit cards, personal and auto loans
Premature Death Protection (Yourself):
Total current death benefit including group insurance
Premature Death Protection (Spouse):
Total current death benefit including group insurance
Disability Protection
Do you have paycheck protection if you were to get sick or hurt? Through your employer and/or individually, supplemental?
Long Term Care Care (If Over 54)
Do you have an umbrella policy?
Estate Plan
Do you have an estate plan? (will, power of attorney, health care directive)
Account Aggregation
Do you use aggregation software (Mint, Quicken, WealthVision, eMoney, etc.)
College Fund
If you have kids, do you have funds set aside for college?
Age-Based Savings


Net Worth to Income Ratio

Premature Death Protection

Debt to Income Ratio

Disability Protection


Account Aggregation

Liability Protection

Estate Plan

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Need help filling this out? Watch a quick tutorial!

Stoplight Tutorial Video

Disclosures :
The information and calculations found within this interactive assessment has not been verified by LPL, is included for informational purposes only and is not intended to provide investment advice. LPL does not guarantee the applicability or accuracy of this assessment in regards to your individual circumstance. All examples are hypothetical and are for illustrative purposes. You should review and confirm the accuracy of all calculations before relying on this assessment.

Not a Recommendation. The illustrations provided through this assessment do not contain specific securities recommendations for implementation. The projections contained herein do not constitute an actual offer to buy, sell, or recommend a particular investment or product. All investments are inherently risky. You are under no obligation to implement any recommendations that may be included within these illustrations. If you choose, you may implement these illustrations through a financial advisor, including one associated with LPL. By doing so, your advisor may make a variety of products and services available. This may result in the payment of normal and customary commissions, advisory fees, or other types of compensation to your advisor. This compensation may be more or less depending on the product or service that representative recommends. To the extent that your advisor recommends that you invest in products and services that will result in compensation being paid to your advisors and its representatives, this presents a conflict of interest. For more information about conflicts of interest, please see LPL’s Form ADV at www.lpl.com or your advisor’s Form ADV, as applicable.

Not Financial Planning or Other Advice. This assessment does not provide comprehensive financial planning and is not intended to constitute legal or tax advice. There may be other relevant factors and financial considerations that LPL does not take into consideration in formulating any illustration. Unless otherwise agreed by both parties in writing (such as through an advisory or brokerage agreement), LPL is not responsible for any use you make of the illustrations provided through the assessment, and you are solely responsible for making your own investment decisions.

No Advisory or Brokerage Relationship. LPL does not intend to establish an advisory or brokerage relationship, with you solely by providing this assessment. Through this assessment, LPL does not provide ongoing investment management or trading services for your assets, make any determination as to whether the assessment is appropriate for you, access any assets in any accounts you aggregate, place any trades on your behalf, or provide ongoing supervision of your assets. The scope of any investment advisory or brokerage relationship LPL has with you begins when you sign an advisory or brokerage agreement and is defined by the terms of such agreement.

Risk Acknowledgement. LPL has not made, nor is making, any guarantee about the future performance of your assets, including, without limitation, any guarantee of a specific level of performance or the success of any given investment decision or strategy that you may implement based on the illustrations. In addition, LPL does not make any guarantees or representation that your investment objectives will be achieved. Any investment decisions that you make are subject to the risk of loss or depreciation of the value of any investment due to the fluctuation of market values or numerous other factors.

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