Where do I find a fee-only fiduciary financial advisor? Advisor finder via NAPFA, XY Planning Network, and CFP Board directories, matched by specialty and location — returns the advisor type to seek, typical fee structures, and vetting questions to ask. For wealth and personal-finance agents.

Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents.

Credit-card benefit coverage check — extended warranty, purchase protection, trip delay, cell phone, return protection — against ISSUER-verified published benefit guides (Chase, Amex, Capital One, Citi, HSBC, Amex UK, RBC CA + negative facts for Discover/gutted cards). Caps, deductibles, eligibility windows, and the filing deadlines that kill late claims, computed. No LLM.

Card-benefit CLAIM PACK: issuer-verified coverage check plus the complete filing kit — administrator steps, citation-locked cover note, evidence checklist, denial counters, deadline calendar. Honest-no: no pack sold on expired notify windows, uncovered cards, or unmet conditions.

Which credit card is actually worth it for my spending? Rewards card finder that ranks cards by net annual value after fees — factoring rewards rate and signup bonuses for your spend profile (travel, dining, groceries, gas, cashback). For personal-finance and wealth agents.

Avalanche or snowball — which pays off my debt faster and cheaper? Debt payoff planner comparing both strategies with total interest cost and months to payoff, plus a consolidation check across your debts. For personal-finance and wealth agents.

Can I settle this debt for less than I owe, and how do I negotiate it myself? DIY debt-negotiation protocol with FDCPA consumer rights, creditor call scripts, estimated settlement percentages, and statute-of-limitations by debt type. For personal-finance and debt-help agents.

How big should my emergency fund be, and how do I build it? Emergency-fund calculator sizing the target by income, expenses, dependents, and job stability, plus a funding plan and current high-yield savings (HYSA) rates. For personal-finance and wealth agents.

I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents.

How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.

Will I have enough to retire, and what do I need to change? Retirement-readiness projection with projected nest egg vs. the income gap, an on-track assessment, 2026 contribution limits, and a ranked action plan by age, income, and target retirement age. For wealth and retirement-planning agents.

Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an income-limit eligibility check, backdoor and mega-backdoor Roth eligibility, and the contribution tax math, by income, age, and filing status. For wealth and retirement agents.

How healthy are my finances right now, and what should I fix first? Financial-health snapshot with a plain-English assessment, estimated net worth, savings rate, debt-to-income, and emergency-fund months, plus the highest-leverage next actions ranked by effort vs. impact. For personal-finance and wealth agents.

What age should I claim Social Security? Optimal claiming-age analysis with benefit estimates at 62, full retirement age, and 70, break-even math, spousal and survivor benefits, and tax implications. For retirement and wealth agents.

What tax moves should I make before December 31? Year-end tax-optimization plan with ranked, deadline-specific moves — Roth conversions, tax-loss harvesting, contribution limits, and charitable strategies — by income, filing status, and state. For wealth and tax agents.

Is my child eligible for the $1,000 Trump Account pilot? Trump Account vs 529? Contribution limits, rules & enrollment — verified against IRC §530A, IRS Notice 2025-68 & Rev. Proc. 2026-25. For financial-planning and tax agents.

Find money you are owed but never claimed. Deterministic router across US state unclaimed-property programs (NAUPA/MissingMoney), federal sources matched to your situation (PBGC pensions, FDIC/NCUA failed institutions, HUD/FHA refunds), and international registers (Canada, UK, Switzerland, Australia): the exact official FREE portals to search, the claim-documentation package, and honest coverage. No LLM — a routing machine, not a scraper.