Financial Future Readiness Assessment
How It Works

How Your Financial Future Readiness Score Works

The Financial Future Readiness Score is an educational planning framework, not an investment forecast or a financial recommendation. It uses a deterministic set of rules to translate your answers into a 0–100 score across five planning areas.

The five categories

Tax Planning (max 20 points). Whether taxes are being considered as part of overall financial decisions — account tax treatment, long-term tax diversification, and coordination with retirement planning where relevant.

Future Income & Retirement Planning (max 25 points). For younger users this evaluates savings, goals, cash-flow awareness, inflation, and long-term preparedness. For people approaching retirement it evaluates expected spending, income sources, withdrawal strategy, longevity, and stress planning.

Asset Management (max 25 points). Liquidity, diversification, debt and cash-flow health where applicable, investment risk alignment, and how recently the strategy has been reviewed.

Insurance & Protection (max 15 points). Whether the household is considering risks such as income interruption, health events, long-term care, and survivor issues appropriate to the person's life stage.

Legacy & Estate Planning (max 15 points). Beneficiaries, will, powers of attorney, healthcare directives, and clarity around legacy intentions.

Each category has its own maximum. Total possible score: 100.

What the score does not mean

  • The score does not predict investment performance.
  • The score is not a probability of financial success.
  • The score is not investment advice.
  • The score is not tax, legal, or insurance advice.
  • The score is not an industry ranking or percentile against other users.

Think of the score as a way to organize planning questions worth exploring — not as a grade of your finances. A stronger score suggests planning appears more coordinated in the areas we evaluate; a lower score simply highlights topics that may be worth a closer look.

Life-stage adaptation

The assessment adapts its questions and result copy based on where you are in life. Someone more than ten years from retirement receives wealth-building oriented questions; someone within a few years of retirement — or already retired — receives retirement-focused questions such as withdrawal strategy, longevity, and inflation.

Curious how the categories apply at different life stages? See our 20s & 30s guide, 40s & 50s guide, or the retirement readiness guide.

Take the Assessment
Financial Future Readiness Assessment
Educational purposes only·Privacy
Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment advisor. Nothing on this website constitutes investment, legal or tax advice. Any historical performance data is solely illustrative and provided as general information and is not a prediction of any future results or any past results for any specific client of Foundations. This website and its contents do not make any recommendation that any particular security, portfolio of securities, transaction, investment or planning strategy is suitable for any specific person. Personalized investment advice can only be rendered after the engagement of Foundations, execution of required documentation (including a client agreement), and receipt of required disclosures. Investments in securities involve the risk of loss, including a total loss of money invested. Any past performance is no guarantee of future results. Advisory services are only offered to clients or prospective clients where Foundations and its advisors are properly licensed or exempt from licensure; Foundations reserves the right to accept or reject any prospective client. For more information about us, please go to https://adviserinfo.sec.gov and search by our firm name or by our CRD #175083.