How it works
No black box. Here's how your score is figured.
Before you trust a number, you should know where it comes from. Here it is in plain English — and what it can't tell you.
You answer simple questions
We ask about your timeline, your income, your savings, your spending, and how you feel about risk. Round numbers are fine. We never ask for account numbers or passwords.
We look at seven areas
Instead of one number that hides everything, we score seven parts of your plan separately. That way a strong spot doesn't cover up a weak one.
Some areas count more
Retirement readiness and income carry the most weight, because they decide whether the plan works at all. Taxes and healthcare come next. Estate, risk, and legacy shape how smoothly and how long it works.
You get plain-language answers
Every score comes with a short explanation of what it means and why it matters. We never recommend a product, a stock, or an investment.
What counts, and how much
The seven areas we score
Retirement Readiness
22% of your score
Can your savings cover the spending your income doesn't?
Income Planning
18% of your score
Do steady paychecks cover your must-pay bills?
Tax Planning
15% of your score
Is your money spread across different tax buckets?
Healthcare Planning
15% of your score
Is coverage handled, including any years before Medicare?
Estate Planning
12% of your score
Do your documents and beneficiaries match what you intend?
Risk Alignment
10% of your score
Does your comfort level match the risk your plan takes?
Legacy Planning
8% of your score
Is it clear what you'd like to leave behind, and to whom?
Being upfront
What your score can't tell you
It's based on the numbers you type in. We don't check your statements or your tax return, so it can't catch what only a full review would find.
It doesn't predict the market, promise a result, or judge any investment you own. The rules of thumb we use are common teaching tools, not forecasts.
Nothing here is personal investment, tax, or legal advice. The point is to help you ask better questions — of us, or of any adviser you work with.