Life stage, responsibilities, lifestyle & future plans
Single
Married
Divorced
🟢 Minimalist
🟡 Balanced
🟠 Aspirational
🔴 Luxury
Marriage
Children
Home
Career Shift
Retirement
None
💰
Income & Cash Flow
All sources, stability, expenses & savings rate
🟢 Fixed
🟡 Stable
🟠 Variable
🔴 Seasonal
OTT, gym, apps — often overlooked leakage
8%
🏦
Assets & Net Worth
Complete picture — liquid, invested, real estate, business
⚠️
Liabilities & Debt
Loans, EMIs, credit cards & stress test
<1 mo
1-3 mo
3-6 mo
6-12 mo
12+
🛡️
Insurance & Protection
Your financial firewall — not an expense
Yes
No
ULIP/Endowment Only
Personal Policy
Employer Only
Both
None
Yes
No
🎯
Financial Goals
Short, medium & long-term — with inflation
🌅 Retirement
🎓 Children Education
🏠 Home / Major Purchase
💎 Wealth Creation
💵 Passive Income
🧠
Risk Profiling
Psychology-based — not basic questionnaire
Sell all
Sell partial
Hold & wait
Buy more
Panic sold
Bought peak
Followed tips
Over-concentrated
None
🔴 Fear
🟠 Greed
🟢 Strategy
🟡 Advisor
15%
12%
📋
Tax Structure
Don't save tax — optimise wealth after tax
New
Old
Not Sure
🔍
Behavioral Patterns
Discipline, habits & hidden biases
Detailed
Roughly
No
Multiple times
Once
Never
Planned SIPs
Tips/News
Random Lumpsum
Don't invest
5/10
Retirement
EMIs
Children
Health Crisis
Inflation
📜
Legacy & Estate Planning
Will, nominees, family preparedness
Registered
Draft
No
All
Some
No
Fully aware
Partial
Not at all
⚠️ AI-generated educational analysis — not SEBI-registered investment advice. Integrato Financial Services is an AMFI-registered MFD & IRDAI-licensed Insurance Advisor — NOT a SEBI RIA. Projections are estimates. v5.0 — Financial Ecosystem Planner
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