The Index

One score. Four pillars. Talking points for every review.

A single 0–100 number is easy to track. The pillar breakdown underneath is where advisers find the conversation — a client can be clear on their position yet anxious about the future, and the Index shows you exactly that.

ClarityDoes the client understand their position, their goals, and how their arrangements support them?30%

ConfidenceDo they feel secure about the future and able to make decisions when they arise?30%

ControlDo they feel organised, in control, and prepared for the unexpected?20%

ProgressDo they believe they’re moving forward — and receiving ongoing value along the way?20%

Score bands

90–100Financially Empowered

75–89Financially Confident

60–74Progressing Well

40–59Developing Confidence

0–39Financially Uncertain

Methodology

Why the record can be trusted.

Clients answer 16 plain-English statements on a five-point agree–disagree scale. Each answer is weighted — clarity and confidence questions carry the most weight, because the purpose of planning isn’t “how much money do you have” but “how confident do you feel about using it” — and the result is normalised to a single 0–100 Index with a breakdown across the four pillars. The pillar weights are exact: recompute any score from the answer breakdown and you’ll get the same number.

Every submission is locked the moment it’s made: no edits, no retakes, a permanent time-stamped record. Question sets are versioned, and every score stores the exact weights used to compute it — so a change to the model later can never quietly rewrite a client’s history. That’s what makes the uplift trail credible as evidence, for the client and for the regulator.

Scores are only ever compared within the same question-set version, and the pillar breakdown — not the headline number — is where review conversations start.

See the client experience →