Over the last year, have you had any material changes in your household income or expenses?

Have you had (or do you foresee having) any life changing events such as a job change or divorce?

Over the last year, has your family membership changed (i.e. lost a loved one, had a baby, had an aging parent move in)?

Are you considering acquiring a new asset or selling an existing asset (.e. real estate, company stock, or business)?