Financial Scoring gives you and your advisor the same clear view of your finances. At the center of it: your Financial Score, a single number showing whether today's habits are moving you toward the retirement you want.
The Simple Score Tool is preliminary, uses estimates, and is not investment advice.
Your answers aren't averaged. They're weighted based on where you are in life, then combined into one number out of 100.
How much of what you earn actually gets put to work, versus how much disappears before you notice it.
Whether your savings are spread across tax-deferred, tax-free, and taxable accounts, and how that mix could affect what you keep in retirement.
Whether your protection matches your actual risk today, including whether the coverage you already have can build any value over time.
What you own compared to what you owe, and whether that gap is moving in the right direction year over year.
Whether your current savings pace and timeline are realistic for the retirement you're picturing.
Two distinct experiences. They work together, but they aren't the same.
The Simple Score Tool is the Reader's Digest version, giving you real insight into where you stand. It isn't a substitute for the Certified Financial Score, but it's a good baseline.
The Certified Financial Score is completed with a Scoring Analyst. They use our financial assessment system, giving you a fuller scope of your finances across the same five categories.
It isn't used to approve credit, and it has no effect on your credit report.
A score can't promise a retirement date, an account value, or a tax result.
It's informational on its own — real recommendations come from a licensed professional.
Certified Scoring Analysts pay a subscription to use our tool with their own clients. That's the whole model.
Benefits of scoring: every advisor works from the same structured tool, so an advisor three days into the job asks you the same quality questions as one with 12 years of experience.
Take the free Simple Score Tool and get a clearer first look at your current direction.
Get Your Score →Use the professional system, Certified Financial Scores, and your own client relationships. New members start with a 14-day free trial.
Become a Certified Scoring AnalystNo. A Financial Score is a model based on information and estimates you provide. It's built to give you direction and help frame questions, but real outcomes will vary.
Yes. In fact, our goal is to help you improve your score through our financial assessment and working with a Scoring Analyst.
No. You can complete the Simple Score Tool entirely on your own. A Certified Financial Score is completed with a Certified Scoring Analyst.
A certified Scoring Analyst reviews your results with you directly and helps turn them into a plan. Any recommendation comes from the licensed professional.