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Where do I find a fee-only fiduciary financial advisor? Advisor finder via NAPFA, XY Planning Network, and CFP Board directories, matched by specialty and location — returns the advisor type to seek, typical fee structures, and vetting questions to ask. For wealth and personal-finance agents.

Which credit card is actually worth it for my spending? Rewards card finder that ranks cards by net annual value after fees — factoring rewards rate and signup bonuses for your spend profile (travel, dining, groceries, gas, cashback). For personal-finance and wealth agents.

Avalanche or snowball — which pays off my debt faster and cheaper? Debt payoff planner comparing both strategies with total interest cost and months to payoff, plus a consolidation check across your debts. For personal-finance and wealth agents.

How big should my emergency fund be, and how do I build it? Emergency-fund calculator sizing the target by income, expenses, dependents, and job stability, plus a funding plan and current high-yield savings (HYSA) rates. For personal-finance and wealth agents.

I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents.

How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.

Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an income-limit eligibility check, backdoor and mega-backdoor Roth eligibility, and the contribution tax math, by income, age, and filing status. For wealth and retirement agents.

Can I settle this debt for less than I owe, and how do I negotiate it myself? DIY debt-negotiation protocol with FDCPA consumer rights, creditor call scripts, estimated settlement percentages, and statute-of-limitations by debt type. For personal-finance and debt-help agents.

Will I have enough to retire, and what do I need to change? Retirement-readiness projection with projected nest egg vs. the income gap, an on-track assessment, 2026 contribution limits, and a ranked action plan by age, income, and target retirement age. For wealth and retirement-planning agents.

How healthy are my finances right now, and what should I fix first? Financial-health snapshot with a plain-English assessment, estimated net worth, savings rate, debt-to-income, and emergency-fund months, plus the highest-leverage next actions ranked by effort vs. impact. For personal-finance and wealth agents.

What age should I claim Social Security? Optimal claiming-age analysis with benefit estimates at 62, full retirement age, and 70, break-even math, spousal and survivor benefits, and tax implications. For retirement and wealth agents.

What tax moves should I make before December 31? Year-end tax-optimization plan with ranked, deadline-specific moves — Roth conversions, tax-loss harvesting, contribution limits, and charitable strategies — by income, filing status, and state. For wealth and tax agents.

Is my child eligible for the $1,000 Trump Account pilot? Trump Account vs 529? Contribution limits, rules & enrollment — verified against IRC §530A, IRS Notice 2025-68 & Rev. Proc. 2026-25. For financial-planning and tax agents.

Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents.