Every Day You Wait Costs You
Every day you wait to address your financial challenges, they quietly cost you time, money, and peace of mind.
Tight cash flow doesn’t fix itself. Debt doesn’t magically disappear. College costs keep rising. Retirement gets closer. And healthcare decisions won’t wait until you’re ready.
That’s why I created Let’s Begin with Financial Fundamentals.
In just minutes, you’ll see exactly where you stand across The 3 Essentials of Financial Fundamentals — Optimization, Protection, and Management — so you can stop guessing and start acting on what matters most.
Clarity is the first step to control. The assessment is where it starts.
How the Assessment Works:
Step One:
Answer Questions
In just 20 quick, multiple-choice questions, you’ll get a clear look at your cash flow, debt, protection, and growth strategies.
These questions uncover what’s really going on in your financial life — not just the numbers, but the hidden risks or missed opportunities slowing you down.
It takes only minutes, but it’s the first step to seeing the full picture, knowing what’s holding you back, and focusing on what matters most for the biggest results.
Step Two:
Category Scores
Your category scores show exactly how you’re doing in each key area of your financial life.
High scores confirm the strengths you should keep building on. Lower scores point directly to the areas costing you time, money, and peace of mind.
In minutes, you’ll have a clear snapshot of where to focus first — so you can start making changes that have the greatest impact on your path to financial freedom.
Step Three:
Recommendations
Your results turn into a clear, actionable plan.
Lower scores reveal the steps you can take right now to fix the issues costing you the most. Higher scores show where to maintain and fine-tune so you keep your momentum.
Every recommendation is targeted — so instead of wasting time wondering what to do next, you’ll know exactly how to strengthen your foundation and accelerate your path to financial freedom for you and your family.
The 3 Essentials of Financial Fundamentals
The Assessment measures your readiness across 10 key categories - grouped into three essentials for financial stability and growth.
Management
Emergency Fund: Build & Maintain 6-9
months of expenses for life's surprises.
Debt Management: Reduce & control
debt while keeping credit healthy.
Equity Management: Grow & leverage
equity safely to increase income.
Opportunity Fund: Keep funds earning
interest & ready for new opportunities.
Protection
Disability Income: Protect your income if illness or injury keeps you from working.
Long-Term Care: Plan for care needs without
draining savings.
Living Benefits: Access funds during critical, chronic, or terminal illness.
Optimization
Retirement: Build income streams you
can't outlive.
Tax Strategies: Reduce liabilities and keep more of what you earn.
Wealth Transfer: Pass assets efficiently to heirs while preserving your legacy.
Why I Believe in Assessments
By: John Ortiz
Published: August 1, 2025
In over 30 years as an entrepreneur, I've learned one undeniable truth:
You can't create more time.
No matter how smart, talented, or determined you are - you have the same 1,440 minutes each day as everyone else. What separates the successful from the "stuck"... Is how effectively they use the time they do have. Those who learn how to be effective with their minutes - not just their money - consistently reap the greatest results.
If success is a 10-step journey, would you rather be "stuck" at Step 1 or already moving on to Step 9?
The Assessment is designed to help you close that gap. It gives you a clear, honest snapshot of where you are now and where your attention should go next by measuring how you're doing in The 3 Essentials of Financial Fundamentals - Optimization, Protection, and Management.
It's more than a list of questions. It's a lens that reveals your blind spots so you can stop guessing and start elevating.
Time is too valuable to waste chasing the wrong things.
Begin with clarity. Move with purpose. Get to Step 9 - faster.
Meet John Ortiz
I believe the best way to help people is to first understand where they are right now - in life, in business, and in their finances.
My own journey taught me that lesson. For 25 years, I built and led three companies in the lighting industry - as a manufacturer, distributor, and contractor. I learned what it takes to grow something from the ground up, the value of effective systems, and how critical it is to have a clear plan.
Over-time, I realized that the same principles could be applied to personal finance: if you know where you are, you can make better decisions, fix problems faster, and live with more freedom and less stress. That's why I became a licensed life insurance professional to help people create stability and security for themselves and their families.
Today, I use that business discipline and financial expertise to guide individuals, families, and business owners toward their goals. The assessments I've created - starting with Let's Begin with Financial Fundamentals - are designed to give you the same kind of clear snapshot I take in my own work. Once you see the full picture, you can decide how to move forward with confidence.
If you'd like to get a clear picture of your own financial life, take the assessment - it's a simple first step toward living your better life.