Made for Financial Planners
Reset a Plan After a Major Life Change
Also useful for: people in Finance
90 min
Advanced
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Turn a major life change into a controlled plan reset covering cash flow, protection, taxes, accounts, tradeoffs, and immediate next moves.
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Use this when
A client has lost a job, divorced, received an inheritance, developed a serious illness, relocated, or experienced another change that makes the current plan unreliable.
You'll need
- Life event
- Event details and timeline
- Jurisdiction
- Financial snapshot
- Existing plan assumptions
- Client priorities and concerns
- Deadlines and constraints
- Professional team
You'll get
- The life change and planning consequences documented
- Uncertain or outdated assumptions identified
- The revised cash flow baseline reconciled to available records
- Urgent deadlines and protection gaps ranked
- Viable planning paths compared
- Specialist questions assigned for verification
By the end of this playbook
You will have:
- The life change and planning consequences documented
- Uncertain or outdated assumptions identified
- The revised cash flow baseline reconciled to available records
- Urgent deadlines and protection gaps ranked
- Viable planning paths compared
- Specialist questions assigned for verification
Sample
This is sample data, not your prompt. Pro unlocks this higher-stakes Playbook. On Free Playbooks you can still copy the assembled prompt into any AI.
Sample input
Life event: Job loss Timeline: Employment ended September 12. Twelve weeks of severance begins after a release is signed. Employer health coverage ends October 31. Jurisdiction: Illinois resident; former employer based in New York. Snapshot: Household cash of $42,000, monthly essential spending of $4,700, total monthly spending of $5,900, spouse take-home pay of $4,300, mortgage of $310,000, and taxable investments of $18,000. Existing plan: Two salaries, 15% retirement contributions, and a home purchase within two years. Priorities: Maintain health coverage, avoid a distressed investment sale, and preserve retirement timing if possible. Deadlines: Release due September 30, health election due October 20, and tuition due in January. Professional team: CPA and employment attorney.
Sample assembled prompt
Plan reset summary: Immediate stabilization: -... - Compare available health coverage using... - Pause the larger-home timeline until... Cash position: - Known spouse take-home... - Essential spending: $4,700 per month. - Essential monthly gap before severance... - Total-spending gap before severance and... - Runway can't be finalized until... Planning paths: 1. Stabilize with essential spending, preserve investments,... 2. Maintain selected flexible spending while... 3. Sell taxable investments only if... Verification required: - Severance payment timing... - Unemployment eligibility across the two... - Health plan election terms and... - Retirement plan distribution and rollover... - Tax consequences before any taxable...