GWP

Methodology

The GWP Wealth Score — 0 to 850

The GWP Wealth Score is a composite of three pillars computed from your real financial data. It is not a credit score. It is not a wellness score. It is a wealth trajectory score — a single number that tells you whether your current financial behavior is building toward your goals or quietly working against them.

Read the full score methodology →

The three pillars

33% weight

Protection

How well you are protected against financial shocks. Measures your emergency fund coverage in months, your debt-to-income ratio, and your insurance coverage. A weak Protection score means one unexpected event could derail everything else you are building.

40% weight

Momentum

The speed at which you are building wealth. Measures your savings rate, how consistently you invest, and whether your monthly cash flow is positive. Momentum is the pillar most directly within your control — behaviour change here moves the score fastest.

27% weight

Efficiency

How well your money is working for you. Measures the proportion of your savings that is actively invested versus sitting idle, and how fully you are using tax-advantaged accounts. Efficiency is where the gap between average and excellent wealth building is most visible.

Score bands

Where your composite score falls on the 0–850 scale.

Perfect

750–850

Your wealth fundamentals are exceptional. Focus on optimisation and long-term growth.

Strong

600–749

You are building well. One or two specific changes could accelerate your trajectory significantly.

Stable

400–599

You have a foundation. There is meaningful room to improve. Your biggest lever is identified in your brief.

Weak

0–399

There are structural gaps that need addressing before your wealth can build efficiently. Start with your Protection score.

The confidence score

The confidence score tells you how reliable your GWP Score is, not how good your finances are. The confidence score is always visible — so you always know what your score is based on.

35%

Form answers only

A score based only on your form answers carries 35% confidence.

50%

Bank account connected

Connecting your bank account raises it to 50%.

65%

Investment accounts connected

Connecting your investment accounts raises it to 65%.

100%

Advisor verified

Your advisor verifying the profile in your first meeting raises it to 100%.

Full methodology reference

Everything below explains each metric, scoring bands, and how to interpret your score. Share this page with clients and advisors: /gwp-score/methodology

The eight metrics

For each metric we calculate a real-world number, convert it to a 0–100 score using fixed ranges, then roll those into your three areas and overall GWP Score.

ProtectionMetric 1 of 8

Emergency fund

What we look at: How many months of everyday living costs your cash could cover.

  • Cash counted: checking, savings, and similar liquid accounts.
  • Costs counted: average monthly spending on living expenses over the last 3 months (not including loan payments).
  • If accounts are not linked yet: we may use the emergency fund figure you provided in your profile.
Range
Points (0–100)
Less than 1 month
40
1 to less than 3 months
75
3 to less than 6 months
95
6 months or more
100

45% of your Protection area score

ProtectionMetric 2 of 8

Debt compared to income

What we look at: What share of your monthly income goes to debt payments (loans, credit cards, mortgage payments, and similar).

  • Based on debt-related transactions over the last 3 months and your monthly income.
Range
Points (0–100)
Under 15%
100
15% – 30%
80
31% – 43%
50
Above 43%
10

35% of your Protection area score

ProtectionMetric 3 of 8

Insurance coverage

What we look at: The life and disability insurance information you shared during onboarding (through work, on your own, both, or none).

  • We do not verify policies with insurers—we use your reported coverage to reflect whether protection is in place relative to common planning expectations.
Range
Points (0–100)
Strong life and disability coverage outside work only
100
One strong outside-work policy; one mainly through work
75
One type of coverage (life or disability)
50
Coverage only through work
30
None reported
0

20% of your Protection area score

MomentumMetric 4 of 8

Savings rate

What we look at: On average over the last 3 months, how much of your income remains after spending and debt payments.

  • When your linked accounts show regular income deposits, we use that pattern.
  • Otherwise we may use the savings amount from your profile.
Range
Points (0–100)
Under 5% of income
10
5% to under 10%
40
10% to under 20%
70
20% or higher
100

45% of your Momentum area score

MomentumMetric 5 of 8

Investment consistency

What we look at: How many of the last 12 months included contributions to investments (brokerage transfers, retirement contributions, and similar activity we can detect from your transactions).

Range
Points (0–100)
12 months
100
10 – 11 months
85
8 – 9 months
65
6 – 7 months
45
Fewer than 6 months
20

35% of your Momentum area score

MomentumMetric 6 of 8

Positive cash flow streak

What we look at: How many months in a row (counting backward from the most recent month) you spent less than your monthly income.

Range
Points (0–100)
12 or more months
100
6 – 11 months
88
3 – 5 months
72
2 months
60
1 month
50
0 months
0

20% of your Momentum area score

EfficiencyMetric 7 of 8

Invested asset ratio

What we look at: Of the money available to put to work, how much sits in investment accounts versus extra cash above about three months of expenses.

Range
Points (0–100)
Under 10%
20
10% to under 30%
45
30% to under 60%
70
60% to under 80%
88
80% or higher
100

55% of your Efficiency area score

EfficiencyMetric 8 of 8

Tax-advantaged account use

What we look at: Contributions over the last 12 months to accounts we can identify as tax-advantaged (such as 401(k), IRA, Roth IRA, or HSA), compared to a simplified annual reference amount of $23,000.

  • This is a general planning shortcut, not your personal IRS limit, which depends on your situation and account types.
Range
Points (0–100)
None detected
0
Under 25%
30
25% to under 50%
55
50% to under 75%
75
75% to under 100%
92
100% or more
100

45% of your Efficiency area score

Your goals and on track messaging

If you set a primary financial goal and timeline during onboarding (for example, buying a home or retiring), we may show whether your current score and saving momentum appear on track toward a target score for that goal. That outlook is a planning illustration, not a promise that you will hit a specific number by a specific date. Your advisor can help interpret it in light of your full plan.

Charts and other numbers on your dashboard

Some charts show net worth, cash flow, or risk-related views built from your linked accounts over time. Those charts support your overall picture but may use different formulas than your headline GWP Score. When in doubt, treat the GWP Score and three areas described here as the main summary of our current scoring model.

Practical ways to strengthen your score

Small, steady changes often matter because we use clear thresholds.

Protection

Build cash reserves, lower debt payments relative to income, update insurance answers in your profile

Momentum

Save a higher share of income, invest regularly, keep monthly spending below income

Efficiency

Invest cash above roughly three months of expenses; increase retirement or HSA contributions where it fits your plan

Confidence

Link all relevant accounts and keep your profile income and estimates accurate

Work with your advisor before making major financial moves. The score is a guide, not a substitute for personalized advice.

What to keep in mind

  • Transactions can be miscategorized. A payment might look like a regular expense when it was a transfer or investment, which can temporarily affect ratios.
  • Income may come from your profile if deposits are not clearly visible in linked accounts.
  • Insurance reflects what you reported, not a policy audit.
  • Tax-advantaged scoring uses a simplified cap, not your full tax picture.
  • Scores look backward at synced history; they do not forecast markets or future income.

We may refine how scores are calculated as the product improves. When we make meaningful changes, we will update this page.

If something looks wrong

  1. Confirm every account you care about is linked and syncing.
  2. Check that annual income and other profile details are correct.
  3. Review insurance and financial estimates from onboarding—they may be outdated.
  4. Note the date shown with your score; very new links need time to sync.

If you still have questions, contact your advisor or your firm's GWP support contact.

In summary

Your linked accounts and profile feed eight financial metrics, which combine into Protection, Momentum, and Efficiency—and then into your GWP Score (0–850), with tier, confidence, and daily history.

Your GWP Score is meant to make your financial picture easier to see and easier to discuss—not to label you, rank you against others, or replace professional guidance.

For your practice

Give every prospect the same score framework

Prospects answer five questions and see their GWP Wealth Score before the first meeting. You receive the brief, pillar breakdown, and meeting priorities on your intelligence grid.

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