Free financial needs analysis for your family
A financial needs analysis (FNA) compares what your family has today with what it would need if something went wrong, and with the goals you are working toward. KAV's takes about 45 minutes by video call or phone with a licensed advisor. It costs nothing, and you keep the written roadmap whether or not you ever buy anything.
- By video call or phone
- 45 minutes
- You never pay KAV a fee
- $0
- Yours to keep
- Written roadmap
What we look at
A useful analysis covers six areas. Leave one out and the answer is usually too optimistic.
- Cash flow: take-home pay, essential monthly costs and what is left over.
- Safety net: how many months of essentials your savings would cover.
- Debts: balances, rates and payoff dates, from the mortgage to the store card.
- Protection: the life, disability and health coverage you already have, including coverage through work.
- Goals: college, a home, helping parents, retirement, each with a date and a rough dollar figure.
- Documents: wills, guardians for young children and beneficiary designations.
Why families start here
Most households have at least one gap they have not put a number on. In 2026, 52% of U.S. adults owned life insurance and 38% said they needed some or needed more (LIMRA and Life Happens, 2026 Insurance Barometer). Only 24% of Americans have a will (Caring.com, 2025), and only half of workers, 51%, have tried to work out how much they need for retirement (EBRI, 2026 Retirement Confidence Survey). An FNA puts a figure on each gap before anyone talks about products.
How the 45 minutes work
- 1
Tell us where you are
Send the short form. A licensed KAV advisor contacts you within one business day to set a time that suits you. Rough numbers are fine. - 2
Map it together
We go through the six areas with you. You see each gap and how it was worked out, not just a total. - 3
Leave with a written roadmap
Your gaps, ranked by urgency. Then you decide what, if anything, happens next: a life insurance review, estate-planning guidance, a free workshop, or nothing at all.
What it costs, and how KAV is paid
The analysis is free and you never pay KAV a fee. KAV advisors are licensed insurance professionals. If you choose to buy a policy through your advisor, the insurance company pays them a commission. That is how a free analysis is possible, and you should know it before you start.
Ask your advisor which insurers they work with and how they are paid on anything they suggest. You can confirm an insurance license with your state insurance department; in Pennsylvania, use the Insurance Department license search. Our disclosures explain the rest.
What a real analysis looks like
Hold any advisor, including us, to this list.
- Your numbers come before any product is named.
- The questions cover savings, debts, wills and retirement, not only insurance.
- You see the math, in writing.
- Nobody asks you to decide at the first meeting. KAV makes no product sales on the first call.
- Questions about licensing and pay get plain answers.
- Nobody tells you to cancel a policy before new coverage is in force.
The full guide, with a worked example, is in What is a financial needs analysis?
Who it helps most
- New and expecting parents deciding how much protection and savings a child needs.
- Households living on one income, where the at-home parent is often uninsured (read why).
- Women planning around a career break, a divorce or caregiving (women and money).
- Anyone within 10 to 15 years of retirement who wants to know whether they are on track.
- Families after a death, once the first weeks have passed (first-year checklist).
Common questions
Is the financial needs analysis really free?
Do I have to buy anything?
What should I have ready?
How is an FNA different from a financial plan?
Is my information kept private?
Keep reading
- What is a financial needs analysis?The six areas, a worked example, what it should cost and the signs of a sales pitch.
- Retirement readiness calculatorGet a readiness score in about 2 minutes before you talk to anyone.
- How to review your life insurance policyCheck what you have against what your family would need.
- All servicesLife insurance review, estate planning guidance and retirement strategy.
Know where your family stands in 45 minutes
Free, by video call or phone, with a licensed advisor. You keep the written roadmap.