What is a Financialoscopy^®?

A builder uses a blueprint to know how a house is put together.

A technician uses a schematic to see how a computer works.

The Financialoscopy® Team uses a trademarked “X-Ray” to see how your financial life fits together. Your
personalized X-Ray contains seven elements.

All of the financial decisions you make in your life are based upon the very first element -

The Covenant Conversion – These are values which have been instilled in you by those who came before, maybe
your parents or grandparents. It’s the values that not only drive who you are today, but those values that you
return to each time, when making important decisions that affect your life and the ones you love.

Your Family Tree – These are the roots of your past and the branches to the future. For many, it represents the
ancestors who came before us and the coming generations that we have the opportunity to impact, far into the
future.

Cashflow  –  During our working years, this may be income from putting in the “time and effort” at a job. It may also
include passive income from investments or a business we own. In retirement, it typically shifts to retirement
accounts, savings, and government programs.

Contracts - We all own contracts, some as simple as insurance on our home or autos that protect those assets.
They may also include pensions or social security benefits. Wills, trusts, and life insurance are also forms of
contracts.

Unlocked Assets – These assets are easily accessible. They might include savings accounts, certificates of deposit,
investment accounts outside of retirement plans, life insurance cash values, and money market accounts.

Locked Assets – for many people during the accumulation stage of their lives, this could be retirement accounts
such as IRAs, 401Ks, or pension plans, which typically aren’t easily accessible until you reach a specific age. Locked
assets could also include items that aren’t necessarily easy to liquidate, such as some real estate holdings or
business assets.

IOUs – Most people would refer to this as “debt”, money you owe to someone else. IOUs could include everything
from mortgages, home equity loans, car and personal loans, credit cards, or business debt.

The Financialoscopy® X-Ray isn’t a planning tool. Instead, it simply exposes the inner workings of your life: where
you’re healthy or perhaps, where you’re not. This is why everyone should schedule a Financialoscopy®.