Two short workflows.
One better conversation.
Pick whichever feels more useful right now — or do both. Together they give us almost everything we need to start planning together.
Both save your answers locally as you go and let you pick up where you left off. Nothing leaves your browser unless you choose to send it — and when you do, it’s encrypted in transit (TLS 1.3) and at rest before it reaches us.
Risk Profile
Skip the “conservative or aggressive” question. We’ll show you how five different portfolios have actually behaved — the good years and the brutal ones — and you tell us what you would have done.
- Real index returns from 2000 to today
- The 2008 fire-the-advisor scenario
- Your recommended mix at the end
Monthly Budget
A clean monthly cashflow worksheet. Type in what you can — or download the template, fill it in your spreadsheet of choice, and upload it back. Live totals, planning targets, your remaining cash at a glance.
- How your budget compares to planning targets
- Live totals and remaining cash as you type
- Download / upload as a CSV if you prefer
How your data is protected
Balance Wealth treats your financial data with the same care a fiduciary brings to managing your money — because they are the same thing.
- Encrypted in transit (TLS 1.3)Every byte you type is encrypted between your browser and our servers using the same protocol your bank uses.
- Encrypted at rest (AES-256)Stored encrypted in Cloudflare KV, a SOC 2 Type II compliant system. Only Balance Wealth advisors can access it.
- Never sent through emailYour responses post directly into Balance Wealth’s submission system. They don’t pass through inboxes, attachments, or third-party messaging.
- No third-party trackersThis page does not load Google Analytics, Facebook Pixel, advertising tags, or any external data brokers.
- Limited retentionSubmissions are kept only as long as required for client suitability records (5 years per SEC Rule 204-2), then automatically deleted.
- What we don’t ask forNo Social Security number. No account numbers. No banking credentials. Only the information your advisor actually needs.
- Compliant by designSEC Regulation S-P (privacy of consumer financial information), Reg S-ID (identity theft red flags), and the Gramm-Leach-Bliley Act safeguards rule.
If you have any questions about how your data is handled, contact your advisor directly or email hello@htp-3.com.