Executive Action Layer
Executive Action Center
One decisive surface answering: what should I do next? Top Actions, Quick Wins, and High-Impact Improvements — all in one place.
Executive Grade
52/100
D · Vulnerable — Immediate Executive Action
Priority Alignment
0/100
Alignment with recommended actions
Gap Elimination
50/100
Closed + partial across all plans
Open Gap Items
6/20
Items currently Open across 5 plans
Top Actions
The five highest-leverage actions from the Protection Priorities engine.
#1 · Critical
30 daysLife insurance below 10× income
Add term life ladder to close gap.
Life Estimator →#2 · High
90 daysProtection Health is D — coordinate a multi-line policy review
Schedule a full annual protection review across life, disability, home, auto, umbrella.
Annual Checkup →#3 · High
90 daysUmbrella liability below $1M
Add $1M–$5M umbrella above auto + home.
Umbrella Estimator →#4 · High
90 daysDisability income below 60% of gross
Add private LTD to bridge to 60% of gross to age 65.
Income Protection →#5 · High
90 daysEmergency fund < 3 months
Build to 6 months essential expenses.
Financial Resilience →
Quick Wins
30-day, low-friction actions you can finish this month.
Life insurance below 10× income
Add term life ladder to close gap.
High-Impact Improvements
Highest projected HPOS-score gain over the next 1–5 years.
Life insurance below 10× income
+10 ptsAdd term life ladder to close gap.
Protection Health is D — coordinate a multi-line policy review
+8 ptsSchedule a full annual protection review across life, disability, home, auto, umbrella.
Umbrella liability below $1M
+6 ptsAdd $1M–$5M umbrella above auto + home.
Disability income below 60% of gross
+6 ptsAdd private LTD to bridge to 60% of gross to age 65.
Emergency fund < 3 months
+6 ptsBuild to 6 months essential expenses.
Roadmap Snapshot
First milestones for every horizon — open the full Roadmaps engine for the complete plan.
30-Day Roadmap
Stabilize critical exposures and lock in baseline protection.
Life insurance below 10× income
+10 pts
Document existing policies in one place
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Run the Protection Index baseline
Baseline
90-Day Roadmap
Add the highest-impact missing coverages and raise weak limits.
Protection Health is D — coordinate a multi-line policy review
+8 pts
Umbrella liability below $1M
+6 pts
Disability income below 60% of gross
+6 pts
1-Year Roadmap
Deepen coverage breadth, finalize disaster prep, and start retirement protection.
Reach 6-month emergency fund
+10 pts
Add water-backup + service-line riders
+4 pts
Run the Financial Safety Index
Track
5-Year Roadmap
Move from coverage adequacy to coordinated asset protection.
Umbrella ≥ 1× net worth
+8 pts
Title rentals and side ventures in LLCs
+4 pts
Begin long-term care evaluation by 55
+6 pts
Lifetime Protection Roadmap
Maintain Elite Protection across every life stage.
Estate plan + trust + entity titling
+5 pts
Hybrid LTC + life policy in force by 60
+6 pts
Quarterly review cadence
Discipline
Gap Closure Queue
Currently-Open items across the five gap-elimination plans.
Coverage Gap Reduction Plan
Life insurance ≥ 10× income
$820,000 short of recommended.
Action: Add 20–30 year term to close the gap.
Coverage Gap Reduction Plan
Disability ≥ 60% of monthly income
$5,500/mo short.
Action: Add own-occupation LTD via private carrier or employer.
Preparedness Gap Reduction Plan
Emergency fund ≥ 6 months
Currently 2 months of expenses.
Action: Automate transfer of $1,375/mo to a HYSA.
Retirement Gap Reduction Plan
Retirement assets ≥ 3× income
Currently 1.6× income.
Action: Automate IRA/401(k) contributions to 15% of gross.
Wealth Protection Plan
Liquidity bridge (12+ months)
Currently 3.8 months liquid.
Action: Hold 12 months in HYSA + Treasuries.
Risk Reduction Plan
Family security baseline
Family security score: 28/100.
Action: Close the highest-severity family priority first.