​You'll be scored within the following key areas:

Foundations (Lifestyle Security)

High Score: You have a robust safety net and comprehensive protection that insulates your family from risk. This "sleep-at-night" security ensures your lifestyle remains stable regardless of market shifts or life events.

Low Score: You feel "what-if" anxiety regarding illness or market crashes. Without a clear defensive shield, a single setback could derail your entire financial future.

Impact: A strong foundation provides the psychological safety required to make confident moves in every other area of your life.

Strategy (Planning)

High Score: Your decisions are anchored in data and discipline, ensuring your financial path remains steady and predictable.

Low Score: Your planning feels reactive or fragmented, often driven by emotional shifts or headlines. This lack of a cohesive, rules-based framework can lead to unnecessary friction and a loss of personal peace.

Impact: A disciplined, integrated strategy removes the weight of uncertainty, ensuring your capital is perfectly synchronized with your life’s purpose and long-term wellbeing.

Efficiency (Tax Optimisation)

High Score: You utilise every available allowance and tax-efficient structure to minimize "leakage." Your focus is on net wealth—what you keep after fees and taxes - rather than just gross earnings.

Low Score: You suspect unoptimised structures are causing you to pay more tax or fees than necessary. This "silent drag" forces you to work longer or take higher risks to reach your goals.

Impact: Improving efficiency is the fastest way to accelerate your progress toward financial freedom without needing to generate extra income.

Purpose (Time Freedom)

High Score: You have decoupled income from hours, using wealth to buy back time for family, health, and passion projects. You are the master of your calendar, not a passenger to your career.

Low Score: You are on a high-earning "treadmill" but lack the time to enjoy your success. You feel you are sacrificing your best years for an undefined "later."

Impact: Reclaiming your time is the ultimate return on investment, turning capital into the freedom to live your best life today.

Continuity (Legacy & Impact)

High Score: You have a tax-efficient roadmap to pass both wealth and values to the next generation or chosen causes. You are confident your success will be a lasting blessing rather than a burden for your heirs.

Low Score: You worry about Inheritance Tax (IHT) or potential family friction. Without a plan, you are leaving your legacy to the default rules of the state.

Impact: Planning for continuity ensures that your values—not just your assets—are protected for generations to come.

Vision (Future Clarity)

High Score: You have a vivid, data-backed roadmap and know exactly when work becomes optional. You make big life decisions with total confidence because you can see your financial trajectory up to age 100.

Low Score: Your retirement is based on "hope" rather than calculated certainty. Without a clear view of future cash flow, you don’t know if you are over-saving or under-living today.

Impact: Achieving future clarity replaces "what-if" with "when," providing a profound sense of certainty.