Layoff Financial Impact Resources

Losing a job is disorienting enough without becoming your own tax strategist, benefits analyst, and financial planner overnight.

Most calculation-based resources treat these as separate problems — a severance FAQ here, a COBRA explainer there — leaving you to guess how your decisions connect.

This tool closes that gap. Your financial decisions during a layoff don't happen in isolation: how you take your severance changes your total income, which changes whether you keep your health insurance subsidy — and selling an investment affects both. No other resource we've found connects these threads comprehensively. Nor do they point out the opportunities hiding in this stressful period — like a rare tax-free window most people don't know to look for.

What makes this different:

• It's simple — one number, every consequence — See exactly how one entry ripples across your taxes, health coverage, and monthly cash flow.
• It tells you why, not just what — If a decision is pushing you toward losing your ACA (healthcare) subsidy or missing a 0% capital gains opportunity, this tool tells you which input is responsible.
• Reserves stay reserves — Your safety net stays visibly separate from your everyday cash flow, so you always know what's truly available and what's meant to stay untouched — until necessary.
• Color-coded for clarity — See which steps are quick cash-flow actions vs. bigger decisions, at a glance.
• Built for a stressed mind — Quick visual cues, not another wall of text to get through.

It's built to work alongside other layoff resources — a benefits guide, a severance negotiation tool, a job search tracker, or a runway calculator — filling the one gap they don't: showing how your decisions interact.

What's included:

• The Checklist — an 8-step sequence for what to handle first, from unemployment to retirement access. No more guessing what to prioritize.
• The Impact Calculator — the interactive tool that runs your actual numbers: your ACA (healthcare) cliff and your 0% capital gains room.
• BroadView Budget — its linked companion tool: your month-by-month cash flow, reserves tracked separately from everyday spending, and your healthcare premium — tied to your total income.

Know what to do next. See it's impact.

***And, If you are in transition to your next amazing chapter, this tool will hold you over until your income picks back up, low or no income is an opportunity - especially if you have savings and investments***

Who built this: Someone who's personally been through a layoff, holds a background in financial services (previously licensed), and built this because the tool they needed didn't exist. This is education, not personalized financial advice.

Note: this is a computer based document not a mobile app.