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Savings cushion
What this dimension measures
A savings cushion is money you can reach quickly when something breaks. WealthAdvo checks whether you have enough for a real emergency, not a vague sense that things feel fine.
How WealthAdvo evaluates it
01
What we ask
How much liquid savings you have relative to essential monthly costs.
02
What the score reflects
Whether a surprise bill would force debt or wipe out progress.
03
What usually comes next
Aim toward three months of essentials before optimizing investments.
04
Keep it practical
Small automatic transfers beat heroic one-time saves.
Signals we look at
Liquid cash
Money available without selling investments or taking debt
Months of essentials
How many months of core costs your cushion covers
Separate emergency account
Whether emergency money is easy to find and hard to spend casually
Recent drawdowns
How often the cushion gets emptied and rebuilt
Credit as backup
Whether cards are the only plan when cash runs out
Auto-save habit
Whether transfers happen without relying on willpower
True essentials list
Housing, food, utilities, transport, minimum debt payments
One-time windfalls
Whether bonuses rebuild the cushion or disappear into lifestyle
Frequently Asked Questions
How is this different from robo-advisors or DIY planning tools?
Software can calculate, but it can't understand your fears, dreams, and family dynamics. Our planners bring human judgment, accountability, and adaptability that algorithms simply cannot match.
Do I need to have a lot of money to benefit from financial planning?
Absolutely not. The earlier you start, the more powerful planning becomes. We have plans for every stage and budget.
Will you manage my investments too?
Investment management is a separate service, but your financial plan will include investment recommendations. Many clients choose both for seamless execution.
How often will we meet?
Typically quarterly for the first year, then semi-annually or annually depending on your plan tier and life changes.
What if my goals change?
That's expected. Your plan is a living document. We revise it whenever your circumstances shift — new job, new baby, inheritance, or market volatility.
