Life Audit v2: Smarter Onboarding Through Discovery

The original Life Audit asked too many questions. v2 adapts based on your property type, family size, and what matters to you.

The first version of the Life Audit was a checklist. Eighty-four items across ten domains, presented in a flat list. Rate each one. How’s your home insurance? Do you have a will? When did you last review your cell phone plan? It worked in the sense that it collected the data. It failed in the sense that most people abandoned it halfway through.

The problem wasn’t the questions. It was the approach. Asking a renter about their mortgage rate is irrelevant. Asking a single person about their dependent care FSA is a waste of time. The audit needed context before it could ask the right questions.

What Changed in v2

Life Audit v2 starts with three inputs: your property situation (own, rent, or planning to buy), your household composition (single, couple, family with kids, multi-generational), and your top priority (saving money, getting organized, or planning for the future). From those three answers, the audit dynamically adjusts which domains it emphasizes and which questions it asks.

A homeowner with a family gets deep questions about insurance coverage gaps, estate planning, and education savings. A renter focused on saving money gets pointed toward subscription optimization, bank fee analysis, and telecom switching. Same platform, different entry points.

What the Audit Reveals

After completing the audit — typically about 15 minutes — you get a Life Score from 0 to 100. It’s not a judgment. It’s a measurement of how optimized your financial and administrative life is compared to the ideal state for someone in your situation.

• ●Life Score (0–100) — your overall optimization level
• ●Critical Gaps — missing documents, coverage holes, forgotten benefits
• ●Savings Opportunities — exact dollar amounts per category
• ●Retirement Discovery — unclaimed pensions, forgotten 401(k)s, Social Security optimization
• ●Prioritized Action Plan — biggest impact first, with effort and payoff estimates
• ●Personalized Recommendations — based on your income, location, family, and risk tolerance

The Forgotten 401(k) Problem

One of the most surprising findings from our research: there are 31.9 million forgotten 401(k) accounts in the United States, holding an estimated $2.1 trillion in assets. People change jobs, forget to roll over their retirement accounts, and those accounts sit orphaned — sometimes for decades.

The Life Audit’s employment history scanner maps every job you’ve ever held to potential hidden benefits. Did your employer from 2008 have a pension plan? Did you leave a 401(k) at a company that later merged? The average recovery when someone finds a forgotten retirement account is over $66,000.

From Audit to Action

The Life Audit isn’t a report you read once and forget. It generates a prioritized action queue that integrates directly into your 1Plan workspace. Each opportunity becomes a trackable item with a clear next step, an estimated savings amount, and a difficulty rating. The highest-impact, lowest-effort items surface first.

Fifteen minutes of your time. A clear picture of where you stand. And a concrete plan to improve it.