The Income Shield Scorecard | Adelle Legacy Group

The Income Shield Scorecard$27 · Digital access after purchase

What you get Why this exists Questions Support Get the Scorecard

01A clearer household picture

See your household’s income-protection gap in 15 minutes.

The Income Shield Scorecard helps dual-income families earning $75,000 to $200,000 organize the numbers behind one important question: what could change if one income changed suddenly?

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Educational planning toolAbout 15 minutes

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Abstract layered household protection ledger

Household Exposure

Income pictureReview

Protection Gap

Your numbers
tell the story.

INCOME
SHIELD

02The unexamined picture

You can be doing the right things and still not know the one number that matters most.

A mortgage, childcare, debt, retirement saving, and everyday costs do not automatically pause when a health event changes work. Yet many families have never looked at the entire picture in one place.

This is not a failure of discipline. It is a clarity problem.

01
Your fixed bills may depend on both incomes continuing.
02
Savings can feel reassuring until you calculate the runway.
03
Employer benefits may not answer every household-specific question.
04
It is easy to postpone the conversation when the risk has no visible deadline.
05
Online searching creates noise when you need a clear starting point.

Abstract illustration of a protected household financial foundation

Adelle Legacy Group
Integrity. Education. Protection. Legacy.

03Why this work is personal

When the income changed, the bills did not.

$180K→$80K

My aunt and her husband had a combined income of $180,000 per year. When my aunt was diagnosed with cancer, their income fell to $80,000. The bills no longer fit the household’s new reality, and they lost their home.

That experience showed me why income protection deserves to be a visible layer of a family’s financial foundation, not an afterthought. I work hard to help ensure what happened to my aunt does not happen to another family.

“I work hard to make sure what happened to my aunt does not happen to someone else.”

Built from a Financial Needs Analysis process. Created by a licensed financial professional with five years of income-protection planning experience.

04Your decision-ready bundle

Five practical ways to turn a vague concern into a next conversation.

The Scorecard brings the questions, numbers, and priorities into one guided starting point. It does not replace individualized financial, insurance, legal, or tax advice.

The Income Shield Playbook

A Household Exposure Snapshot

A focused guide to the five income threats that can put a family’s financial foundation under strain.

Income Protection Gap Calculator

An estimated protection gap

A guided way to organize household income, expenses, existing coverage, debt, dependents, and time-bound obligations.

Monthly Shortfall Report

An estimated savings runway

A clearer view of how an income interruption could affect monthly cash flow based on the information you enter.

Protection Priority Ranking

A first, second, and third priority

A practical sequence for the types of protection questions you may want to investigate first.

Seven-Day Income Shield Plan

A three-move action checklist

A concise next-step plan for the first week after you complete your Scorecard.

05One focused next step

$27

The complete Income Shield Scorecard

Digital access to the five stated resources after a completed purchase.

I Want a Clearer PictureAll purchases are final. No refund policy.

05Real client experience

The way you are guided matters.

These are real client experiences with Adelle Legacy Group’s broader services. They do not refer specifically to The Income Shield Scorecard and do not guarantee a particular result.

AdLe Financial Services provides you the education you need to make an informed decision about your money. They are patient and will take the time to listen to your concerns and address them.

Joseph Ateh· Client experience

Initially, I was skeptical about the promises you made regarding what you could achieve for my family. My past experiences with your industry had left me with a less than favorable impression. However, you have completely transformed my perspective.

Edmond Wainkem· Client experience

AdLe Financial Services has served my family for the past 4 years and I must confess choosing her as our financial guide was the best decision we made in 2021.

Nora Lum· Client experience

06A helpful fit

Made for a household that is ready to look at the picture.

✓

This is for you if…

You are part of a dual-income household earning $75,000 to $200,000.
You have people, bills, or goals that depend on your income.
You want a straightforward household snapshot before deciding what to investigate.
You are willing to gather your own numbers.

◉

This is not for you if…

You want individualized insurance recommendations or a binding coverage quote.
You want an underwriting decision or a guaranteed outcome.
You need urgent individualized financial, legal, medical, or tax guidance.

07Plain answers

A few questions before you decide.

Good decisions begin with clear expectations. If you have another question, contact us directly.

[email protected]

Is this for beginners?+

Yes. The Scorecard is designed for families who have never calculated an income-protection gap before. It uses plain language and walks you through the information needed to create a household snapshot.

How is this different from the benefits or insurance I already have?+

The Scorecard does not replace a review of your existing benefits or policies. It helps you organize the information you have and identify questions about potential gaps, savings runway, and priorities that deserve a closer look.

What do I receive for $27?+

You receive the Income Shield Playbook, the AI-Powered Income Protection Gap Calculator, an estimated Monthly Shortfall Report, a Protection Priority Ranking, and a Seven-Day Income Shield Plan. Delivery is digital and immediate after a completed purchase.

How long will it take?+

Most buyers can complete the core Scorecard process in about 15 minutes once they have their household income, essential monthly expenses, existing coverage, savings, debt, dependents, and relevant time horizon available.

What technology or information do I need?+

You need an internet-connected device and your best available household numbers. The calculator is only as useful as the information entered, so use current and accurate figures where possible.

Is there a guarantee or refund policy?+

The Scorecard is an educational planning tool. It gives access to the stated digital resources but does not guarantee a financial, coverage, underwriting, or outcome result. All purchases are final. There is no refund policy.

08A practical first step

A clearer household picture is a practical way to protect the life you have built.

Stop carrying a vague question alone. Organize your household numbers, see your estimated exposure, and identify the next questions to address.

I Want My Income Shield Scorecard

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