Know what your score means—and what to do next.
Your Smart Life Score is an educational measure of financial preparedness. It is designed to make your next step clearer, not to label or shame you.
Estimated vs. verified
An Estimated Score can use partial information so you receive value quickly. As you add real information and complete verified milestones, confidence rises. Assumed information does not qualify you for Smart Life Certified™.
What the score is not
It is not a credit score, underwriting score, medical score, guarantee of insurability, investment recommendation or substitute for legal, tax or regulated financial advice.
Score bands
Building
You have a starting point. Focus on the highest-impact gaps first.
On Track
Several foundations are in place, with meaningful opportunities to strengthen your plan.
Protected
Your preparation is strong in multiple areas. Keep improving weaker pillars and verification.
Fortified
Your plan is broadly strong. Maintenance, verification and life-event updates matter most.
Smart Life Certified™
Certification requires a high score plus verified completion of required milestones.
The seven pillars
Protection
How well current protection matches household needs.
Estate readiness
Whether relevant wills, directives, guardianship and estate steps are organized.
Beneficiaries & organization
Whether important beneficiaries and documents are current and organized.
Retirement readiness
Whether your current path is aligned with future retirement needs for your stage of life.
Savings resilience
How prepared you are to absorb common financial shocks.
Debt health
How much high-interest debt may be limiting flexibility.
Financial literacy
Progress in understanding and applying core financial concepts.
Your Smart Life Action Plan
The goal is not to chase a number. Your plan translates your current score into three priorities: Now, Next, and Later. The system favors the highest-impact actions that make sense for your actual life stage and household—not force every person through the same checklist.
Open my personalized planSmart Life Score is a proprietary educational preparedness score. Methodology and guidance should use authoritative public, regulatory, institutional and peer-reviewed sources where available.