Financial Coordination Scorecard | Puzzle Wealth Solutions

Before We Begin

A few quick questions to personalize your experience. Takes about 60 seconds — the full scorecard runs under 4 minutes.

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Under 4 minutes

17 questions across 6 pillars

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Personalized results

Gap analysis by pillar

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Instant scorecard

No waiting, no email needed

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Your answers stay in your browser as you go. Nothing leaves this page — and nothing is stored — unless you choose to share your contact information at the end. You're in complete control.

A few things to help us personalize your results

What best describes your current investable assets? * Puzzle Wealth works exclusively with clients who have — or expect to have — $1M or more in investable assets.

A note about our minimum

Puzzle Wealth works exclusively with clients who have $1M or more in investable assets. Based on your selection, you may not currently meet our minimum — but you're absolutely welcome to complete the scorecard for your own benefit. If your situation is changing in the next 12–24 months, we'd love to be on your radar.

You can continue the scorecard below — no problem at all.

Which best describes you? *

When are you planning to retire or transition out of your current role? *

Do you currently work with a financial advisor? *

Approximate household income (optional)

Please complete all required fields above to continue.

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Investment Strategy

How your portfolio is built, benchmarked, and managed is the foundation. Four questions to size up where you stand.

Question 1 of 17

Is your portfolio benchmarked against targets aligned to your specific goals and risk tolerance — not just market indices like the S&P 500?

Question 2 of 17

Does your financial plan and your goals actually drive how your portfolio is built — or does your investment strategy exist independently, without a clear connection to your plan?

Question 3 of 17

Does your portfolio include alternative investments — such as private REITs, private equity, private credit, or structured products? These are often available on advisor platforms but rarely incorporated into client portfolios.

Question 4 of 17

Are you managing your portfolio yourself, or working with an advisor? If using an advisor, are their annual fees at 1% or higher?

Step 1 of 6

Proactive Tax Coordination

The gap between what most executives and business owners pay in taxes and what's actually possible with coordination is often six figures — and it closes quietly each year.

Question 5 of 17

Does your advisor review tax-loss harvesting strategies with you — including timing, candidate positions in your portfolio, and how they can offset realized gains?

Question 6 of 17

In the past 12 months, has your advisor proactively requested your tax return and walked you through specific strategies to reduce next year's tax bill — before the filing deadline, not after?

Step 2 of 6

Estate Planning & Wealth Transfer

Documents age, laws change, and family circumstances evolve. Most plans exist — but are quietly out of date and/or lack coordination.

Question 7 of 17

Have your beneficiary designations, account titling, and estate documents been reviewed within the last three years?

Question 8 of 17

Is there a documented strategy for transferring wealth to heirs or charity in a tax-efficient manner — coordinated with your advisor and attorney?

Question 9 of 17

If charitable giving is part of your plan, are you using tax-advantaged strategies — such as a donor-advised fund, qualified charitable distributions, or gifting appreciated securities?

Step 3 of 6

Retirement Cash Flow Strategy

The sequence in which you draw income in retirement matters as much as the portfolio itself. A written plan — reviewed annually — separates confidence from hope.

Question 10 of 17

Do you have a forward-looking cash flow plan for the next five years — one that clearly shows how much to save, what to draw from your portfolio, and how to sequence it to stay aligned with your financial plan?

Question 11 of 17

Has your advisor stress-tested your retirement plan against a significant market downturn and shown you the specific impact on your timeline?

Step 4 of 6

Executive Compensation & Business Readiness

Equity compensation and business exit preparation are two of the most under-coordinated areas in executive and owner financial planning. Select "Not applicable" if a question doesn't apply to you.

Question 12 of 17

For corporate executives

Is there a documented strategy for your RSUs, stock options, or deferred compensation that accounts for tax timing and vesting schedules?

Question 13 of 17

For corporate executives with company stock

Are your equity holdings actively coordinated with your broader investment portfolio to manage concentration risk?

Question 14 of 17

For business owners

Do you have a proactive banking or lending partner who is actively helping you prepare your business financially for a future sale or ownership transition?

Question 15 of 17

For business owners

Do you have disability and life insurance in place that adequately protects your family and your business partners — accounting for your current income, ownership stake, and buy-sell obligations?

Step 5 of 6

Insurance & Risk Management

Insurance is the most overlooked component of HNW financial planning. As wealth grows, coverage gaps that were once acceptable become significant vulnerabilities.

Question 16 of 17

Have your life insurance, disability coverage, and umbrella liability policy been reviewed in the last three years — specifically in the context of your current net worth and income?

Question 17 of 17

Do you have a documented strategy for funding potential long-term care or healthcare costs in retirement — whether through insurance, self-insuring, or a hybrid approach?

Step 6 of 6

See How Your Financial Picture Stacks Up

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Your overall score and tier assessment
Pillar-by-pillar breakdown with gaps identified
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Your privacy is protected. Your name, email, and phone are used solely to facilitate a potential follow-up with David Millington at Puzzle Wealth Solutions. Your information is never sold, rented, or shared with any third party for marketing purposes. You may request deletion at any time: david.millington@puzzlewealth.com. California and other state residents retain all applicable privacy rights.

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out of 20

Your pillar breakdown

Investment Strategy

Tax Coordination

Estate Planning

Retirement Cash Flow

Exec Comp & Business

Insurance & Risk

The Next Step is a 15-Minute Conversation

Your scorecard identifies where the gaps are. A focused conversation with one of our advisors identifies what to do about them — no obligation, no pressure.

David Millington is a registered representative of LPL Financial. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA / SIPC. This scorecard is for informational and educational purposes only and does not constitute investment, tax, or legal advice. Results are self-reported and intended to facilitate a conversation, not a formal financial assessment. Alternative investments may not be suitable for all investors and involve special risks.

Forbes Best-in-State Rankings Disclosure: David Millington is ranked #57 in the DFW area (2026 Forbes Best-in-State Wealth Advisors). The Puzzle Wealth Solutions team is ranked #49 in Illinois (2026 Forbes Best-in-State Wealth Management Teams). Rankings developed by SHOOK Research are based on in-person and telephone due diligence meetings and a ranking algorithm that includes: client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including assets under management and revenue generated for their firms. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK Research receives compensation in exchange for placement on the rankings. Rankings are not representative of any one client's experience or indicative of an advisor's future performance. For more information, visit forbes.com/best-in-state-wealth-advisors.

The content on this scorecard is developed from sources believed to be providing accurate information. The information provided is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information only, and should not be considered a solicitation for the purchase or sale of any security.

Securities offered through LPL Financial, Member FINRA/SIPC. Advisory services may be offered through LPL Financial or Gladstone Institutional Advisory LLC, both are Registered Investment Advisors. Puzzle Wealth Solutions, Gladstone Institutional Advisory and LPL Financial are separate entities. Registration as an investment adviser does not imply a certain level of skill or training.

The LPL Financial registered representatives associated with this scorecard may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

We take protecting your data and privacy very seriously. As of January 1, 2020, the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. Information collected through this scorecard is used solely to facilitate a potential follow-up conversation with Puzzle Wealth Solutions and is never sold, rented, or shared with third parties for marketing purposes. To request access, correction, or deletion of your data, contact david.millington@puzzlewealth.com.

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Is Your Financial PictureTruly Integrated?

See How Your Financial Picture Stacks Up

The Next Step is a 15-Minute Conversation

Is Your Financial Picture
Truly Integrated?