Financial Exposure Review

A closer look at where your finances are exposed.

This review looks at your numbers first, before discussing whether any financial protection strategy deserves further consideration.

You don't need exact records; a reasonable estimate is enough. For any figure you'd rather not share, you can say so, and the review will clearly mark where a conclusion couldn't be drawn.

How is your income currently structured?

This determines which continuity questions apply to your situation.

Corporate employeeFixed salary, employer-administered benefits. Business ownerIncome tied to the performance and continuity of a business you run. Independent professional or freelancerProject- or client-based income. Multiple income sourcesA combination of the above.

Approximately how much personal income do you take home in a typical month?

For employees, use your approximate monthly take-home income. For business owners or independent professionals, use the amount you typically receive personally after business-related expenses. An estimate is fine.

Financial Exposure Review

Where your income comes from

This helps assess how dependent your finances are on a single income source.

Which of these best describes your largest income source?

Corporate employment Business ownership Freelance or independent work

Approximately what percentage of your total income comes from your single largest income source?

Less than 50% 50–75% More than 75% Not sure Prefer not to say

Financial Exposure Review

A quick question about your benefits

This is about how your existing protection is structured, not your income itself.

Which of these are tied to your employer, meaning they'd end if your employment did?

HMO / medical coverage Critical illness coverage Neither of these applies Not sure about the rest

Financial Exposure Review

If you were unable to work for 3+ months, what would happen to your business income?

This is about business dependence on your continued involvement.

Business income continues normally Business income drops significantly Business income stops entirely Not sure

Financial Exposure Review

You and your household

This sets the scale of who is affected if your income were disrupted.

What is your age?

years old

Which best describes your role in your household's finances?

I'm the sole provider I'm the primary provider Income is shared roughly evenly No one currently depends on my income

How many people currently depend on your income?

I can specify Not sure

Financial Exposure Review

Your monthly finances

These figures let the review calculate how long your available emergency funds would cover your regular needs and commitments.

Approximately what are your household's essential monthly expenses?

Rent or housing costs, utilities, food, and transport only. Mortgage or other loan repayments, education costs, regular family support, and business obligations are covered separately in the next step.

Approximately how much do you have readily available for an emergency?

Savings you could access quickly, not investments you'd need to sell.

Financial Exposure Review

Your regular commitments

Select everything that applies.

Mortgage or housing loan Car loan Personal loan or credit card debt Children's education costs Ongoing support to parents or family Business-related obligations Other major commitment None of the above

Selecting "None" clears other selections, and vice versa.

Roughly how much do these commitments cost you per month, combined?

Financial Exposure Review

What protection do you currently have?

Select all that apply.

HMO / medical coverage Employer-provided life insurance Personal life insurance (owned by you) Critical illness coverage Accident coverage Disability / income replacement Other None currently Not sure if I have anything else

Roughly how much personal life coverage do you have?

Roughly how much employer-provided life coverage do you have?

Roughly how much critical illness coverage do you have?

Financial Exposure Review

Your retirement preparation

Outside mandatory government benefits (SSS/GSIS), are you actively setting money aside for retirement?

Yes No Not sure

Roughly how much, or what percentage of your income, do you set aside monthly?

At approximately what age would you ideally like work to become optional?

This is about your own goal, not a guarantee. A rough number is enough.

Financial Exposure Review

What happens to what you build?

Protection covers disruption to your plan. Growth covers building what you have. Legacy is about making sure what you build eventually benefits the people you intend, whether that's your family or a business you own.

Do you already know who you want to benefit from what you leave behind?

This can mean your family, other dependents, or a business you own, whatever you'd consider part of what you're building.

Yes Partly Not yet

Have you already taken steps to make sure that happens?

Yes Some steps Not yet

Have you reviewed those choices recently?

Yes Not recently Never

Financial Exposure Review

Which area would you most like to understand better right now?

This helps personalize your review and, later, your conversation with Jobette.

Your income and household protection Your medical and critical illness coverage Your monthly finances and emergency fund Your regular commitments and debt Your retirement and future goals Your business continuity Your family and legacy responsibilities Not sure, show me what may deserve attention

Financial Exposure Review

Your initial review is ready

A few things are already visible from what you've shared.

Your initial review

Your full Financial Exposure Review connects these figures with your current protection and retirement preparation, and highlights the questions that may be worth discussing further.

Your name

As it should appear on your review.

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Email

Your Financial Exposure Review is sent here.

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Mobile number

We may follow up briefly by phone or text to confirm you received it and see if a short conversation would help.

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Your initial results

Your complete Financial Exposure Review has also been sent to —.

Worth discussing

Preview of the emailed report

In production this is the email body itself, not shown on screen. It's rendered here so the full report can be reviewed before this goes live.