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 [email protected]

MFIVE & Associates | Financial Needs Assessment

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.

Total outstanding debt

Income

How many years does your family need your income replaced?

Annual income

Years of income to replace

5 yrs10 yrs25 yrs

Mortgage

Your family shouldn't lose the roof over their head on top of everything else.

Remaining mortgage balance

Education & Final Expenses

College funds, funeral costs, and any final obligations.

Education and final expense total

Current Coverage

What do you already have in place? Let's see the real gap.

Total existing life insurance

Your DIME Number

total coverage needed

Debt

Income

Mortgage

Education

Current coverage

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?

Monthly income needed

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.

Years until retirement

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.

Inflation rate

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.

Total current savings

Monthly investment amount

Expected annual return

4%10%12%

Financial Independence Number

the number that makes working optional

Inflation-adjusted need

Months to build

Here's how you get there

Savings growth

Contribution growth

Combined total at retirement
$0

Status

—

Monthly needed to hit FIN

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.

Let's connect

An MFIVE advisor will reach out to build your personalized plan.

Full name

Phone

Priority

We've got you.

An MFIVE advisor will be in touch within 24 hours. Grab your free eBook while you wait.

Most families are underinsured by 50% or more.

Let's close that gap.

OUR CLIENTS SAY

My family and I once had many unanswered questions and no clear plan. That changed after connecting with the MFIVE Family. They equipped us with tools for income protection, retirement planning, and peace of mind. Thank you, Tromane and Felicia, for your wisdom.it’s truly a gamechanger. We know better, so we do better!

MFive & Associates is an outstanding insurance brokerage, their experience and guidance is unmatched. The staff is courteous and responsible…..they do what they say they are going to do without fail. I trust them to advise me to a bright financial future.

Amazing experience from start to finish! The team was professional, knowledgeable, and truly cared about my goals. Their honesty, clear communication, and dedication made the process smooth and stress-free. I felt valued and in good hands—highly recommend!