Dreams Score Online

Sample Client • Comprehensive financial health assessment

55
DREAMS Score
Good Progress

Financial Health Summary

Overall Score55/100
Debt Management
82
Retirement
85
Expenses
66
Assets
20
Money Management
41
Security Protection
35

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Your DREAMS Score
55
Good Progress Financial Health

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55
Overall Score
6
Categories
45+
Resources

Category Overview

Debt Management

82
Efficient
DTI Ratio
4%
Credit Utilization
50%
Monthly Debt
$417
LOC Available
None

Retirement

85
Well-positioned
Projected at 65
$1,657,607
Balance at 85
$1,719,783
Annual Withdrawal
$81,000
Status
✓ Secure

Expenses

66
Undisciplined
Total Expense Ratio
83%
True Savings Rate
17%
Discretionary Income
$1,500
Total Expenses
$7,500

Assets

20
At Risk
Assets Multiple
1x
Total Assets
$80000
Years of Expenses
1
Annual Expenses
$56400

Money Management

41
Vulnerable
Liquidity Ratio
44%
Savings Rate
17%
Auto-Savings
Auto-saving $500/mo (6% of income)
Savings Goal
Saving for: House / Down Payment

Security Protection

35
Fragile
Coverage Ratio
20%
Life Insurance
$400000
Total Needed
$1960000
Coverage Gap
$1560000
Living Benefits
$50000
💳
82

Debt Management

Strong

🏦
85

Retirement

Strong

💰
66

Expenses

Good Progress

📈
20

Assets

Critical

⚖️
41

Money Management

Needs Improvement

🛡️
35

Security Protection

Needs Improvement

Financial Health Profile

DebtRetirementExpensesAssetsMoney MgmtSecurity0255075100

Category Scores Breakdown

DebtRetirementExpensesAssetsMoney MgmtSecurity0255075100

Debt Management

Total Debt

$5,000

Cards

3

Credit Utilization

50%

Min Payments

$106/mo

Retirement Readiness

Projected at 65

$1.7M

Balance at 85

$1.1M

Annual Withdrawal

$108K

Status

✓ Secure

Expense Management

Monthly Income

$9,000

Monthly Expenses

$4,700

Total Savings

$1,533

Savings Rate

17%

Asset Building

Total Assets

$100,000

Assets Multiple

1.8x

Diversification

86%

High Risk Assets

13%

Money Management

Total Liquid Assets

$40,000

Emergency Fund Coverage

100%

Discretionary Income

$1,500

Status

Excellent

Security Protection

Total Coverage

$400K

Total Needed

$1.5M

Coverage Gap

$1.1M

Living Benefits

$50K

Financial Goals

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