Cheat sheets
Family money cheat sheets
One page, one topic, no jargon. Each sheet shows where common money and insurance choices land, so you know what to look at first. Free to read, and written by a Hawaii-licensed agent.
Life Insurance Basics
Why People Get Declined or Rated Up
A plain look at the health and lifestyle factors that can lead to a decline or a higher rating on a life insurance application, and which ones can change over time.
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What Moves Your Life Insurance Rate
See which factors change your life insurance price the most, and which ones you can control.
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Life Insurance Myths, Busted
Six common life insurance myths, sorted by how many people believe them and how much they can cost your family.
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Owning a Policy
Beneficiary Mistakes to Avoid
The beneficiary errors that delay or redirect life insurance money, sorted by how often they happen and how costly they are.
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When to Review Your Life Insurance
The life events that are worth a fresh look at your coverage, from a new baby to retirement.
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Debt, Budget and Money Basics
Costly Money Mistakes by Decade
Common money mistakes from your 20s through your 50s, sorted by how often they happen and how much they hurt.
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Debt Payoff Methods Compared
Snowball, avalanche, consolidation, settlement and more, compared by speed and by how much they can affect your credit.
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Budget Methods Compared
Zero-based, 50/30/20, envelopes, pay yourself first and more, compared by how much effort and how many rules each one needs.
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Enrollment Season
Year-End Money Moves Checklist
Which year-end money moves have a December 31 deadline and which can wait until tax day.
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Holiday Spending Traps to Watch
Holiday money traps, from store cards and zero-interest offers to shopping scams, sorted by how common they are and what they cost.
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Trust and Scam Safety
Spot the Scam: Insurance and Investment Red Flags
Red flags for insurance and investment scams, sorted by how common they are and how much people lose, plus where to check a seller's license in Hawaii.
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Questions to Ask Your Insurance Agent
Nine questions worth asking any insurance agent, sorted by how often people forget to ask and how much the answer matters.
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Get all 10 as a PDF
Wealth Pro Family Money Cheat Sheets: 10 sheets, one per page, ready to save or print. Enter your details and the download link appears right on this page.