Does this replace checking whether my broker is covered by SIPC?

No. This scorecard covers habits you control directly, like passwords, two-factor authentication, and funding sources. Broker-level protections like SIPC coverage are a separate question, covered by the SIPC coverage checklist linked below.

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How well does my account setup actually protect me from an entirely avoidable mistake?

Q: How well does my account setup actually protect me from an entirely avoidable mistake?

Check the statements that describe your login security, risk controls, and capital habits. The scorecard totals your score across all three pillars and gives a Well Protected, Some Gaps, or Exposed read, with a breakdown by pillar.

Most traders blow up chasing the setup they missed, not the one in front of them.

Jason Parker, Founder of Trading Habits

Check What Describes You

This checks avoidable, non-market risk to your account setup, not market risk from your actual trades.

I use a unique password for my brokerage account that I do not reuse anywhere else.
I have two-factor authentication turned on for my brokerage account and any paid signal or alert services.
No one else has my login credentials, and I do not share access for anyone else to place trades on my behalf.
I use stop-loss or protective orders on open positions instead of relying only on watching the screen.
My platform or my own written rules enforce a daily loss limit that I actually stop at.
I check my account statements and trade confirmations regularly for anything I did not authorize.
The money in my trading account is money I could genuinely afford to lose, separate from rent, bills, or an emergency fund.
I do not fund my trading account with borrowed money or credit card debt.
I have a specific rule for when, if ever, I add more money to my account, rather than depositing on impulse after a loss.

Your Result

Check the statements that describe you and click Score My Safeguards to see your read.

How this is calculated

This scorecard checks account-protection habits across three pillars: login and access security, built-in risk controls, and capital hygiene.
This is a self-assessment of your own habits and setup, not a security audit of any specific broker's systems or software.
No account safeguard eliminates market risk. This tool addresses avoidable, non-market risk, like a shared password, a missing loss limit, or funding a trading account with borrowed money.
A low score does not mean you have already had a problem. It means specific gaps exist that are worth closing before one happens.

Risk & liability disclaimer: This tool scores the statements you check and does not audit any specific broker, platform, or account. It is not financial, legal, or cybersecurity advice. Trading involves risk of loss. Trading Habits is not a broker-dealer, registered investment adviser, or tax professional, and is not affiliated with any broker, exchange, or data provider.

How well does my account setup actually protect me from an entirely avoidable mistake?

Check What Describes You

Your Result

How this is calculated

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