A four-minute check-up
Am I doing alright?
An honest answer, in four minutes.
Ten numbers you already know, roughly, and four yes-or-no questions. You get one of three answers, the reasons behind it, and the single thing that would move it first. Jeremy sees the same card the moment you do; a first name and last initial are all he asks for.
How do I know if I am doing alright financially?
Baldwin Financial, a fee-only fiduciary adviser in Oklahoma City, checks six things against published guidelines: three to six months of spending in cash, a saving rate near 15% of income, retirement assets on Fidelity’s age milestones, housing under 28% of income with little consumer debt, net worth against the Federal Reserve’s median for your age, and a will plus insurance where someone depends on you. The free four-minute check-up below scores all six and names the one to fix first.
Source: Federal Reserve, Survey of Consumer Finances · FDIC Consumer News, emergency savings
How it is scored
Six pillars, each against a published line.
Nothing hidden, nothing ours.
Every pillar scores 0, 1 or 2 against a guideline you can look up. Better than alright is ten or more with nothing at zero. Doing alright is six or more with no more than two zeros. Anything else is not yet alright, and the card tells you which one to fix first. Guidelines are averages; you are not. That is what the conversation is for.
Cash cushion
Months of spending held in cash. Three to six months is the common guideline; the FDIC and SEC Investor.gov both put it that way. Six or more is strong.
Saving rate
Fifteen percent of pre-tax income, including any employer match, over a working life, from Fidelity’s retirement guidelines (July 2026). Ten to fifteen is alright.
Retirement track
Retirement and investment assets as a multiple of income, against Fidelity’s milestones: 1× at 30, 3× at 40, 4× at 45, 6× at 50, 8× at 60, 10× at 67, interpolated for the years between. Half of the milestone is alright; the whole of it is strong.
Debt and housing
Debt other than a mortgage as a share of income (ten percent or less is strong, thirty-five or less is alright), and housing at no more than 28 percent of income, the first half of the 28/36 rule. Fannie Mae uses 36 percent for total debt. The lower of the two readings counts.
Net worth for your age
Against the median household in your age group in the Federal Reserve’s Survey of Consumer Finances (2022, the most recent; a 2025 survey is due late 2026). Twice the median is strong. For context, the card also shows the old rule of thumb from The Millionaire Next Door: age times income, over ten.
Protection
A will or trust; life insurance if someone depends on your income; disability insurance while you are working. Nobody scores these, and they are the pillar most people are missing. The Federal Reserve’s 2025 household survey found only 55 percent of adults had three months of expenses set aside; protection is the same story.
This check-up is educational. It scores the figures you enter against published guidelines and is not personalized investment, tax or legal advice, not a financial plan, and not a recommendation of any security or strategy. Guidelines are general and may not fit your situation. The “what if” illustration uses stated assumptions and is not a forecast or a projection of any investment. All investing involves risk, including the possible loss of principal. Your first name, last initial and the figures you enter are emailed to Baldwin Financial, LLC when your result appears, and are not stored elsewhere. Using the check-up does not create an advisory relationship.
An invitation
You have the numbers.
A conversation turns them into a plan.
A complimentary conversation, by video, phone, or in person in downtown Oklahoma City, whenever suits you. Nothing to prepare and nothing to bring. Come as you are; leave knowing more than you arrived with.
What the conversation looks like
- 01
You talk. What you own, what you owe, who depends on you, and whatever is coming up that you have not solved yet.
- 02
We tell you what we see. The two or three things we would look at first, and why those and not the rest.
- 03
You decide, on your own time. If we are not the right fit, we will say so and point you toward someone who is.
Or reach us directly
- Phone
- (405) 266-7856
- Serving
- Oklahoma City, Edmond, Nichols Hills, and clients who have moved away