What the Health score does for your firm
One number clients get
A single score from 50 to 100 that every household understands at a glance.
Engagement between meetings
The score moves as clients act, so they keep coming back to your app.
Clear priorities
The weakest pillar shows your team what to fix first in every household.
Progress you can show
A history of the score turns every review into a story of progress.
One number every client understands
Most clients will never read a plan cover to cover. Every client understands a number that goes up. The Health score boils a household’s near-term financial footing down to one score, with a clear status beside it — good, attention, or risk — and the pillars that explain it.
It answers the question clients actually care about between meetings: if something went wrong this quarter, would we be okay? And it answers it in your firm’s app, under your brand.
- Pillars, each with its own score
- One scale for every household
- Clear next step at a time
It moves when clients act
The score recalculates as the household’s accounts change, so effort shows up quickly. Build the cash cushion, trim spending, pay down a high-interest card, or raise a retirement contribution, and the score rises. Recent improvement earns extra points on top, so clients feel momentum from their first step.
That is what keeps households opening your app every week. And because each client sees how far their score has moved, showing progress in a review takes one glance, not a slide deck.
Know what to fix first
Every household’s score breaks down into pillars, each with its own score and status. The weakest pillar is where the next conversation starts — a thin cash cushion, spending that runs ahead of income, or a balance past due. Each pillar shows the recommendations waiting on it, and clients always see one clear next step in the app.
Your team opens Mission Control and sees the same score on every household, so you know where your time will make the biggest difference.
Progress clients can see
Nothing keeps a client engaged like seeing the work get done. Every step a household finishes — a cash sweep, a raised contribution, autopay on a card — lands in one running list in the app, so clients see how much has already been taken care of. That is the feeling of having an advisor in their corner every week, not just at the annual review.
For your firm, it is momentum you never had to chase. Clients act on their own, the score moves, and your team spends its time on the households where a conversation will make the difference.
Every household, every account size
The score is built from what a household does with its money — cash, spending, debt, savings, and coverage — not from how much it has invested with you. A young family with a small account gets the same score, pillars, and next steps as the top of your book. That makes it easy to serve the smaller accounts well, and to show them progress from day one.
A score you can explain
Clients trust a number they can understand, and so do advisors. The Health score is a weighted average of seven pillars, each running from 50 (nothing in place yet) to 100 (the target is met), with points in between for progress toward the target.
| Pillar | Weight | Full marks when |
|---|---|---|
| Cash Safety Net | 25% | Cash in checking and savings covers 90 days of spending (180 once retired) |
| Spending Control | 20% | Spending stays at or under 80% of income |
| Debt Progress | 20% | Every balance is current, high-interest debt is low, and payments fit the income |
| Savings Rate | 15% | At least 20% of income is left after spending (5% once retired) |
| Retirement Progress | 10% | Retirement contributions reach 15% of pay, or the household is retired |
| Habits & Consistency | 5% | The client keeps up with their plan in the app |
| Insurance Coverage | 5% | Life insurance on record covers the recommended need |
- Pillar
- Cash Safety Net
- Weight
- 25%
- Full marks when
- Cash in checking and savings covers 90 days of spending (180 once retired)
- Pillar
- Spending Control
- Weight
- 20%
- Full marks when
- Spending stays at or under 80% of income
- Pillar
- Debt Progress
- Weight
- 20%
- Full marks when
- Every balance is current, high-interest debt is low, and payments fit the income
- Pillar
- Savings Rate
- Weight
- 15%
- Full marks when
- At least 20% of income is left after spending (5% once retired)
- Pillar
- Retirement Progress
- Weight
- 10%
- Full marks when
- Retirement contributions reach 15% of pay, or the household is retired
- Pillar
- Habits & Consistency
- Weight
- 5%
- Full marks when
- The client keeps up with their plan in the app
- Pillar
- Insurance Coverage
- Weight
- 5%
- Full marks when
- Life insurance on record covers the recommended need
When a pillar does not apply — no debt, or no coverage on record — it drops out and its weight is spread across the others. A mortgage is not held against anyone, and retired households are scored against retiree targets, not a saver’s.
the Health score measures how well a household could absorb a surprise right now. It is not a credit score or a retirement-readiness verdict — your plan covers that.
What each status tells you
- Status
- Good
- Score
- 85 to 100
- What it tells you
- Most pillars are at target — keep the momentum going
- Status
- Attention
- Score
- 70 to 84
- What it tells you
- Fine this month, thin if something breaks — one or two pillars to work on
- Status
- Risk
- Score
- Below 70
- What it tells you
- Several pillars need help — start with the weakest one
Make every review a progress report
The score keeps its history, so a review opens with a story instead of a spreadsheet: where the household started, what they did, and how far the number has come. Clients remember that story — and it is the reason they stay with your firm and refer their friends.
Starts with a clear score
Day one in your app
Takes the next step
One at a time, ranked by impact
Sees the score rise
Effort shows up quickly
Reviews progress
With your team, on the same record
Planning
The score is the hook. The plan does the rest.
The Health score lives inside a plan that stays current for every household, without adding advisor hours.
How planning worksWant to see it on a real household? Book a demo and we’ll walk the Health score next to Mission Control, or see why advisors choose Athena.