A practical method
A planning conversation
A private question list with the decision, missing information, assumptions and topics for a qualified reviewer. Work through the prompts in your own notes. No information is submitted or saved here.
Decision and timeframe
Describe the purpose, alternatives and timing. Leave product selection open until the relevant facts and rules are checked.
Private fact inventory
List categories of income, commitments, reserves and dependants to gather privately. Do not put amounts, account numbers or identity documents into this page.
Assumption ledger
Mark what is known, estimated or missing. Identify which rates, taxes, fees and terms require current official or provider evidence.
Reviewer questions
Ask the qualified person about role, authorization, compensation, conflicts, downside risks and what information is needed for a legitimate assessment.
Decision record
After receiving independent advice, record the source and date of terms, unresolved risks and who made the decision. This worksheet itself reaches no conclusion.
Record the outcome
- What is the proposed next step, and who owns it?
- What evidence supports it, and what remains unknown?
- What would make you pause or change direction?
- When will the decision be reviewed?
Keep private details in your own records. This is a reading guide, not a submission form.
Adapted from an owner-supported proposal draft. This is general planning material, not evidence of an operating service, completed engagement or professional advice. Read the source and scope note.