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MFIVE & Associates | Financial Needs Assessment
Financial Needs Assessment

Know your numbers.
Build your legacy.

Calculate your life insurance needs, your retirement freedom number, and discover the three pillars of financial protection.

Tromane & Felicia McTiller, Founders (470) 222-0751 admin@mfiveinc.net

How much coverage do you actually need?

The DIME method replaces guessing with math.

Debt
Credit cards, auto loans, personal loans, student loans — everything that doesn't disappear when you do.
Income
How many years does your family need your income replaced?
5 yrs10 yrs25 yrs
Mortgage
Your family shouldn't lose the roof over their head on top of everything else.
Education & Final Expenses
College funds, funeral costs, and any final obligations.
Current Coverage
What do you already have in place? Let's see the real gap.
Your DIME Number
$0
total coverage needed
Debt
$0
Income
$0
Mortgage
$0
Education
$0
Current coverage
$0
Your coverage gap
$0

Most families are underinsured by 50% or more.
Let's close that gap.


Your Financial Independence Number

Five steps to knowing when work becomes optional.

Step 1
Monthly Comfort Number
If every major bill was gone — no mortgage, no car note, no credit cards — what do you need monthly for life, lights, water, phone, food, travel, and entertainment?
Step 2
Time Horizon
How many years until you walk away from the clock? We convert this to months — because that's how real the countdown is.
5 yrs10 yrs40 yrs
Step 3
Inflation Adjustment
The step most people skip — and it costs them everything. A dollar today won't be a dollar when you retire.
2%3%5%
Step 4
Your FIN
Inflated amount multiplied by 20. Withdraw 5% per year and never run out. This is the number that makes working a choice.
Step 5
What You Need to Do Now
Current savings across all accounts, monthly investment capacity, and expected returns. We'll show you the full picture.
4%10%12%
Financial Independence Number
$0
the number that makes working optional
Inflation-adjusted need
$0
Months to build
0
Here's how you get there
Savings growth
$0
Contribution growth
$0
Combined total at retirement
$0
Status
—
Monthly needed to hit FIN
$0

You know the destination. Let's build the vehicle.


The MFIVE Framework

Three pillars. One mission. Your legacy.

Pillar 1

Asset Protection

Your income is your most valuable asset. Protection isn't optional — it's the foundation.

Legacy Benefits — the wealth you transfer to the people you love. Term, whole, IULs, and final expense policies ensure your family inherits your vision, not your bills.

Living Benefits — protection while you're still here. If illness or injury takes you off the field, living benefits replace your income so your household doesn't collapse.
Pillar 2

Wealth Accumulation

Your exit strategy for retirement. Your job should be a chapter, not the whole book.

IULs for tax-free retirement income, annuities for guaranteed growth, and strategies that let compound interest do what it was designed to do. The goal: working becomes a choice, not a requirement.
Pillar 3

Estate Planning

Protecting what you've built so it gets to who it's for.

Through Perimeter Law Group, we offer fully customizable estate plans — wills, trusts, powers of attorney, healthcare directives. Building wealth without an estate plan is like building a house without a roof.

Ready to see where you stand across all three pillars?

The Cheat Code eBook cover
Free limited edition guide
The Cheat Code to Protecting Your Family & Building Wealth
80+ pages of strategies most agents never share. Life insurance types, living benefits, IULs, retirement tools — all in plain language.
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