3. Am I on track to survive a fiscal cliff?
Making it through the fiscal cliff unscathed will likely involve readjusting your spending and saving habits, advisers say.
"Many clients are saying their biggest concern is whether they're going to run out of money," said Jarvis. He recommends setting up an emergency fund, making sure investments are diversified and maximizing tax-deferred accounts like 401(k)s and IRAs.
Ballou, who has received more calls than usual in recent weeks, said many clients are particularly worried about affording income tax hikes. To help them budget accordingly, she sits down with them and looks over last year's tax returns to show them just how much taxes would increase if Congress doesn't act.
"We're looking at people's budgets to make sure they have room for an extra tax bite," she said.
Even if Congress reaches a deal and their taxes don't end up rising, this is still a good way for people to make sure they're living within their means and their finances can sustain an emergency or future tax code changes.
"It's a good reminder of what we should be doing anyway," she said.