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ResidWyz™ Home Journey Planner

Home Journey Planner

Where real estate meets real strategy. Complete this planner to get a personalized risk and financial profile for your home.

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Section 01

Homeowner Profile

Tell us about who lives in the home and your household situation.

Section 02

Property Basics

Key facts about your home — foundation of your financial and risk profile.

Section 03

Mortgage & Financing

Understanding your financing structure is central to your financial risk profile.

1 = very uncomfortable, 10 = very comfortable

1 — Stressed10 — Very Comfortable
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⚠ Risk Note ARM loans and HELOCs carry rate-change risk. If income changes or rates rise, affordability can deteriorate quickly. This feeds directly into your resilience score.
Section 04

Goals & Timeline

Your intentions for this home shape every financial and risk decision.

Not at all Slightly Moderately Very Extremely
Section 05

Major Systems & Structure

The physical health of your home drives maintenance risk and cost.

Not at all Slightly Moderately Very Extremely
Section 06

Maintenance & Budget

How you plan and fund home costs determines financial resilience.

1 = very fragile, 10 = very resilient

1 — Fragile10 — Resilient
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⚠ Risk Note Industry guidance suggests reserving 1–3% of home value annually for maintenance. A $500K home = $5,000–$15,000/year. Without reserves, a single system failure (roof: $15K–$30K; HVAC: $8K–$15K) creates financial stress or debt.
Section 07

Insurance & Risk

Coverage gaps are among the most expensive surprises in homeownership.

Not at all Slightly Moderately Very Extremely
⚠ Risk Note Actual Cash Value policies pay depreciated value — often 30–50% less than what it costs to rebuild. If you don't know your policy type, this is a priority review item.
Section 08

Sustainability & Climate Resilience

Climate risk is increasingly a financial and insurance risk for homeowners.

Not at all Slightly Moderately Very Extremely
Section 09

Aging in Place & Living Arrangements

How your home needs to evolve — physically, financially, and legally.

⚠ Risk Note ADUs built without permits create serious liability at resale, insurance gaps, and financing issues. Transferring property to a child to fund their share can trigger gift tax and Medicaid look-back rules. Both need professional guidance before action.
Section 10

Financial & Asset Profile

Your home in the context of your broader financial picture.

Mortgage + taxes + insurance + utilities + maintenance

⚠ Risk Note Over 50% of net worth in a single illiquid asset is a concentration risk. Home equity cannot be accessed quickly without refinancing, selling, or taking on debt. This matters most in retirement.
Section 11

Estate & Legacy Planning

How your home fits into your estate — and the risks of leaving it unaddressed.

⚠ Risk Note Without a will or trust, your home may go through probate — a public, often slow, expensive process. A trust avoids probate entirely. The step-up in basis at death can eliminate capital gains for heirs — but only if the home is still in your estate.
Section 12

Priorities & Next Steps

Help us understand what matters most to you right now.

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Your Planner is Complete

Enter your email below to receive your personalized ResidWyz™ Home Risk & Financial Profile — a summary of your answers with priority action items and advisor referral recommendations.

Your information is never sold. Used only to send your profile and connect you with a ResidWyz advisor.

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