ME Shield Wealth360

Financial analysis for your clients: net worth, budget, life insurance needs, debt payoff, retirement, policy cash value, and a whole life debt plan — one shared client picture across every tab below.

ME Shield Financial Services
ME Shield Financial Services
Apopka, FL 32712  ·  (407) 267-2652  ·  info@meshieldfinancial.com
Wealth Snapshot
Prepared for: —
Date prepared: —
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Wealth Snapshot

The household's full picture in one place — assets, debts, saving, and protection — feeding every other tab below.

Assets today
▾

Current values. Leave blank if none.

Monthly saving
▾
Debts
▾

Balances, rates and required monthly payments. Include the mortgage here — Debt Plan lets you choose whether to fold it into the payoff order.

Protection
▾
Assumptions
▾

Review these with the client. They drive every projected number.

%
%
%
0 holds it flat. Use the carrier illustration for real figures.
yrs
Net worth today
$0
Total assets
$0
Total debts
$0
$0/mo in payments
Net worth in 20 years
$0
Debt payments vs. income
—
Add household income above
Life insurance coverage
$0
Net worth projection
Enter assets or debts to see the projection.
ℹ️Hypothetical illustration for discussion only, based on the figures and rate assumptions shown. It is not a guarantee of future results and not investment, tax or legal advice. Actual results will vary. Debts are paid with their required payments only, from income. Home and cash-value figures are estimates.

Budget

Where the household's take-home pay actually goes each month.

Monthly take-home pay
▾

After taxes and payroll deductions — what actually reaches the bank account.

Monthly spending
▾

Debt payments and savings come from the other tabs, so leave them out here.

Rent, HOA, property tax or home insurance not included in a mortgage payment
Electric, gas, water, trash
Gas, car insurance, transit, maintenance (not the car loan)
Health, life, disability
Streaming, apps, memberships
Tithes, donations, money sent to family
Where the money goes
Enter the household's monthly take-home pay to see where the money goes.

Insurance Needs

A needs-based worksheet for life insurance conversations — estimate how much coverage a household needs, save it with the rest of this client's Wealth360 picture, and print a clean summary to walk through with them.

Educational estimate only. This worksheet gives a starting point based on the information and assumptions entered below — it is not an insurance quote, application, or formal financial plan. Actual pricing and eligibility depend on underwriting. Always confirm the final numbers with the client before recommending a specific policy.
Height & Weight (BMI)
▾

A quick build reference for the underwriting conversation — not a rate class, not a quote. Leave blank if not discussing yet.

BMI
—
Income to replace
▾

What the family would need if the client died today. Household income is entered at the top.

E.g. until the youngest child is grown or the spouse retires
If blank, a % of income is used instead
%
Spouse's pay, Social Security survivor benefits, pension
One-time needs
▾
Blank uses the mortgage debt on Debt Plan
Blank uses the other tabs
Funeral, medical bills, estate costs
Care for a parent, business obligations…
Already in place
▾
Blank uses the other tabs
Blank uses the other tabs
Assumptions
▾

Review these with the client.

%
Conservative: the family must live on it
Notes
▾
Recommended Coverage
Additional Coverage Needed
Total financial need minus what's already available
Immediate needs
$0
Ongoing needs
$0
Total financial need
$0
Total available resources
$0

Compare Coverage Scenarios
▾

Fixed presets for comparison — your Years/% inputs above drive the main number; these don't change it.

How to Explain This to the Client

Staff reference only — not printed. A starting script in your own words, built from the numbers above.

Debt Plan

A payoff order for the debts entered on Wealth Snapshot.

Plan
On top of the required payments
Highest rate first usually saves the most interest.

When a debt is paid off, its payment rolls into the next one, so the total monthly amount stays the same.

Debts

Balances, rates and required monthly payments. Include the mortgage here.

Payoff order
Add debts with a balance to build a payoff plan.

Retirement

A compound-growth projection for retirement income, built from the client's age at the top.

Educational estimate only. Assumes constant rates of return, which real investments never provide exactly. Not a guarantee, a projection of actual results, or investment, tax, or financial advice.
Timeline
Savings
%
Income in retirement

Monthly amounts in today's dollars.

Social Security estimate, pension. Use the client's own statements.
Assumptions
%
%
%
Projection
Enter the client's age at the top to see the retirement projection.

Cash Value

Paste the illustration values to see cash value against premiums paid.

Carrier illustration

Wealth360 doesn't generate policy values. They come from the carrier's official illustration — type or paste the numbers below.

One row per policy year, columns in this order: year, age, annual premium, guaranteed cash value, non-guaranteed cash value, death benefit. Paste from Excel or the PDF; header lines are ignored.
Cash value vs. premiums paid
Paste the illustration values to see cash value against premiums paid.

Whole Life Debt Plan

Compares two ways to spend the same money each month.

Not a policy illustration or quote. This compares two spending strategies using the numbers you've entered — it is not a guarantee, a specific carrier's product, or financial advice. Policy loans reduce the death benefit and cash value until repaid, and can lapse a policy if left unpaid. Always use the official carrier illustration before any client decision.
How this works

Both plans spend the same money each month. Plan A pays the debts directly, then saves. Plan B pays the whole life premium, uses policy loans to pay off debts that cost more than the loan rate, repays the loan with the freed-up payments, then saves. Policy values come only from the Cash Value tab.

Plan
Blank = debt minimums + extra from Debt Plan + premium
From the carrier. %
From the carrier. %
Earned on money saved after debts. %
Optional: so Plan A also protects the family
yrs
Plan A vs. Plan B
To compare the plans, add the carrier illustration on the Cash Value tab, the client's debts on the Debt Plan tab, and the carrier's policy loan rate above.

Summary & Action Plan

One page pulling the headline number from every tab above, plus the top priorities to walk through with the client. Fill in the other tabs first — this page reads what's already there.

Key Numbers
Fill in the tabs above to build this summary.

Service Cost Estimate

Builds an estimate straight from the live Price Catalog — pick one or more services to see ME Shield's fee total. Government, USCIS, IRS, state, and other third-party fees are separate and noted per service where they apply.

Pick Services
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