CAER Financial Group · Wealth Protection Assessment
Your portfolio is performing. But is it protected?
Six questions designed for investors with serious assets. Identify the blind spots your current advisor may not be addressing — before the market, tax law, or time makes them irreversible.
For investors with $500K+ in assetsTakes under 3 minutesNo forms. No pitch.
Wealth Protection Assessment
Is your wealth protected — or just performing?
Answer honestly. The results are calibrated to your asset level and will show you exactly where your exposure lies.
Question 1 of 6
What is your approximate investable net worth — excluding your primary residence?
This calibrates the dollar-level risk exposure in your results. All responses are anonymous.
Question 2 of 6
What percentage of your total portfolio is currently exposed to market volatility — equities, mutual funds, ETFs, and variable accounts combined?
Most high-net-worth investors significantly underestimate this number once retirement accounts are included in the calculation.
Question 3 of 6
Do you have a guaranteed, contractually protected income floor that covers your core retirement expenses — regardless of what the market does?
A true floor means income you cannot outlive and cannot lose in a downturn. Social Security alone does not qualify. Annuities and pensions do.
Question 4 of 6
If the market dropped 35% tomorrow — as it did in 2008 and again in early 2020 — what would happen to your retirement timeline and lifestyle?
Sequence-of-returns risk is the single greatest threat to high-net-worth retirees. A major loss in the first years of retirement can permanently alter your trajectory — even if markets fully recover.
Question 5 of 6
How well-positioned is your estate to transfer your wealth to the next generation without unnecessary tax erosion or legal delay?
The federal estate tax exemption is scheduled to sunset in 2026 — potentially dropping from $13.61M to approximately $7M per individual. For investors at your level, this is not a hypothetical. It is a ticking clock that requires action before January 1, 2026.
Question 6 of 6
When did your current advisor last proactively present you with a written analysis of your downside risk and sequence-of-returns exposure?
Proactive risk analysis — not just annual performance reviews — is what separates wealth preservation from wealth management. If you can't recall the last time this was done, that gap is your answer.