Welcome

Every financial picture is a puzzle. Let's find the missing pieces.

Before you begin

The CleverAlpha AI Advisor is a free educational financial check-up. It is not personalized investment advice. By continuing, you agree to our Terms & Conditions and Privacy Notice.

Tax basics

How do you file your taxes?

This shapes almost every tax and retirement number in your plan.

Filing status

Single Married filing jointly Married filing separately Head of household Qualifying surviving spouse

Your spouse

A little about your spouse.

Even rough estimates help — you can refine later.

Spouse's age

Is your spouse employed?

Yes, employed Yes, self-employed Retired Not employed

Does your spouse have a workplace retirement plan?

Is your spouse enrolled in a high-deductible health plan (HDHP) with an HSA?

Yes No Not sure

You’re moving right along

Great — let’s keep going.

Because you’re not filing jointly, we skip the spouse questions. Click Next to continue.

No email required to save your progress.

Because your session is anonymous, we can’t email you a resume link. Your answers live in this browser as you complete the wizard.

About you

How old are you?

Age drives contribution limits, catch-up rules, and when we model Social Security.

Your age

Comfort with investing

How would you describe your experience?

There's no right answer here — honesty helps us tailor everything else.

Investment experience

New to investing Some experience (401(k), a few stocks) Moderate (retirement accounts, funds, taxable brokerage) Experienced (I know most terms and manage my own portfolio)

How long could your money stay invested?

Under 3 years 3 to 10 years 10 to 20 years More than 20 years

If your portfolio dropped 25% in one year, you would likely…

Sell everything to stop the losses Sell some to feel safer Hold and wait it out Buy more while prices are lower

Income

What's your household income?

Approximate is fine. This is the key number for tax-planning eligibility.

Modified adjusted gross income (MAGI)

If you're not sure, check line 11 of your 1040 for a close approximation.

State of residence

ZIP code (optional)

Used to check Trump Account $250 seed eligibility (ZIP median household income under $150k). We do not store or transmit your ZIP anywhere else.

Where is this money coming from?

Pick one. This helps us think about taxes, timing, and which account fits — not a legal disclosure.

Paycheck, salary (employment) Savings I’ve built up Sale of a home or other property Investment gains Inheritance or family gift Social Security benefits Gambling or lottery Other

Work

What's your work situation?

Different jobs unlock different retirement accounts.

Employment

W-2 employee Self-employed / freelancer Business owner with employees Student Retired Not currently employed

Retirement accounts

Which retirement accounts do you have?

Check all that apply — including any dormant accounts from past jobs.

Taxable brokerage or cash-management accounts

Combined total across brokerage, money-market, and cash management / high-yield cash. Optional.

$

Primary residence equity

Market value minus mortgage balance. Leave blank if renting. Optional.

$

Health savings

Are you enrolled in a high-deductible health plan?

An HSA is one of the most tax-efficient accounts available — but only if you have the right health plan.

HSA-eligible plan (HDHP)

Benefits

Do you or a dependent receive disability benefits?

This unlocks specific tax-advantaged accounts and changes how we recommend income sources.

Disability status

No Yes — Social Security Disability Insurance (SSDI) Yes — Supplemental Security Income (SSI) Yes — a dependent receives benefits Yes — other

Household

Who else is in your household?

Include everyone you support — spouse, children, other dependents.

Number of children or dependents

0

Education

Any dedicated college savings?

529 plans, Coverdells, or other education-specific accounts.

Current 529 / education balance

Enter 0 if you don't have a 529 or similar account.

Other education savings

Any other savings you could put toward education?

UTMA/UGMA custodial accounts, Series I bonds, or general savings earmarked for school.

Additional education savings

Enter 0 if none.

How you save

How is your monthly saving split today?

Rough percentages of what you save each month. Everything must add to 100%.

Allocation

I’m not able to save right now Every dollar goes to bills. We’ll skip this split and tailor your plan to cash-flow first.

Not sure? Try a starting point:

Retirement

Emergency fund

Education

General investing

Other

Anything else?

Is there anything else you'd like us to know? (optional)

The best planning conversations start with what a form can't capture. Not sure what to share? Tap a starter:

DO NOT include SSN, account numbers, or medical diagnoses.

0 / 2000

Habits · 1 of 4

Cash discipline & debt

A quick yes / no read on how you run day-to-day cash flow.

Habits · 2 of 4

Retirement-plan behaviors

Behaviors we can’t infer from account balances alone.

Habits · 3 of 4

Planning, review & rebalance

How disciplined the "process" side of your plan is today.

Habits · 4 of 4

Tax, estate, insurance & alternatives

The protective layer around the portfolio itself.

The windfall

Tell us about the windfall.

A quick shape read. The right account plan depends more on where the money came from and who’s in the household than on the dollar amount alone.

Where did (or will) the money come from?

Approximate size

When did (or will) it arrive?

Already received Within 3 months 3–12 months out Beyond 12 months

Which of these do you already have? (pick any that apply and we’ll get to retirement accounts later).

The windfall

Tell us about the kids.

This shapes whether we recommend a 529 superfund, custodial Roth for a working teen, or something else.

Ages of the children in the household

Minor kids only (under 13) Teens with earned income Adult children Mix of the above

Life & changes

Anything big going on right now?

Pick anything that applies. If nothing's changed lately, pick “Nothing new.”

Kids & earned income

Any little hustlers in the house?

Kids with earned income — a summer job, babysitting, lawn mowing, an Etsy shop, YouTube monetization — can open a Custodial Roth IRA. That’s one of the most powerful compounding vehicles that exists.

Any of your kids earn their own money?

Yes No Not sure

Self-employment income

Roughly how much self-employment income do you make in a year?

Net after business expenses is the number that drives Solo 401(k) and SEP IRA limits.

Under $25,000 $25,000 – $75,000 $75,000 – $200,000 $200,000 – $500,000 $500,000+

Retirement timing

How close are you to retirement?

Timing changes which accounts and moves matter most.

Retirement horizon

Already retired Within 5 years 5 to 10 years out More than 10 years out

Pension income?

Yes — mine Yes — my spouse's Yes — both of us No pension

Social Security

Already claiming Planning to delay to 70 Plan to claim at full retirement age Not sure yet

The windfall

Who left it to you?

Spouse vs. non-spouse changes the rules for inherited retirement accounts sharply — this one answer tightens the plan.

Relationship

Spouse Parent Other family member Non-family (friend, partner, etc.)

Inheritance

Tell us about the inheritance.

Rules for inherited retirement accounts differ sharply from cash or brokerage. A little detail here changes the plan.

What kinds of assets? (pick any that apply)

Cash / bank Taxable brokerage Inherited Traditional IRA / 401(k) Inherited Roth IRA Real estate Business interest Life insurance proceeds Other

Approximate magnitude

Under $100,000 $100,000 – $500,000 $500,000 – $2M $2M+

Divorce

Where are you in the process?

Retirement accounts split via QDRO have very different mechanics from a settlement paid in cash.

Stage

Considering it Filed / in progress Finalized less than a year ago Finalized more than a year ago

Is a QDRO in play (retirement account being split)?

Yes No Not sure yet

Survivor planning

A quick age question.

Widow(er) rules on inherited IRAs turn on whether you're under or over 59½. This changes access without penalty.

Under 59½ 60 or older

Business sale

Tell us about the sale.

A qualifying QSBS position can exclude up to $10M of gain from federal tax — worth confirming before the wire clears.

Approximate proceeds

Under $500,000 $500,000 – $2M $2M – $10M $10M+

Is the stock QSBS-eligible (Section 1202)?

Yes No Not sure — want to explore

Cross-border planning

Retirement accounts from outside the US?

Foreign pensions and non-US retirement accounts have specific US reporting and tax treatment. It's worth naming them up front.

Do you have retirement assets from another country?

Yes No Not sure

Your US tax status

US citizen Green card holder Resident alien (substantial presence) Non-resident alien

Holistic plan for my household

Plan my retirement

Open an account for a child

Put a lump sum to work

Cash sitting idle in checking

Move an old 401(k)

Switch from another advisor

Open and transfer multiple accounts in one pass

Every financial picture is a puzzle. Let's find the missing pieces.

Before you begin

How do you file your taxes?

A little about your spouse.

Great — let’s keep going.

How old are you?

How would you describe your experience?

What's your household income?

What's your work situation?

Which retirement accounts do you have?

Are you enrolled in a high-deductible health plan?

Do you or a dependent receive disability benefits?

Who else is in your household?

Any dedicated college savings?

Any other savings you could put toward education?

How is your monthly saving split today?

Anything else?

Cash discipline & debt

Retirement-plan behaviors

Planning, review & rebalance

Tax, estate, insurance & alternatives

Tell us about the windfall.

Tell us about the kids.

Anything big going on right now?

Any little hustlers in the house?

Roughly how much self-employment income do you make in a year?

How close are you to retirement?

Who left it to you?

Tell us about the inheritance.

Where are you in the process?

A quick age question.

Tell us about the sale.

Retirement accounts from outside the US?