A new way to measure wealth
The Wealth Score measures how well your life is designed and whether your money is serving it. In twelve questions it scores four dimensions and gives you an overall score. From there, an Up Capital advisor walks through your score with you and builds a strategy around what it shows.
I hire my money to underwrite the life I want to live, so I never have to wonder if I'll be okay.
Dormant
Seven figures sitting in checking, and the balance is the plan.
Taxes get filed, they don't get planned.
Emerging
Has accounts at four institutions and no single view of them.
The plan lives in their head, not on paper.
Growing
Tax planning happens, but only in April.
Estate documents signed, beneficiaries not yet updated.
Thriving
Every dollar has an assignment and a review date.
The system runs even when life gets loud.
I hire my money to feel like enough, so my days go to living instead of chasing more.
Dormant
Wealthy on paper, exhausted in practice.
Enough has never been named, so the answer is always more.
Emerging
Had a number for enough, then moved it when they got close.
Talks with their spouse about the tax bill, never about the worry.
Growing
The number for enough has held for two years.
The last downturn got a plan instead of a panic.
Thriving
Works because they want to, not because they have to.
“Am I actually living?” gets a yes on an ordinary Tuesday.
I hire my money to stay anchored to who I am, so every dollar I spend sounds like me.
Dormant
Spending looks exactly like the neighbors'.
Bought the house because it seemed like the next step.
Emerging
Talks about what matters, spends on what's expected.
Some purchases feel right, most feel automatic.
Growing
Values written down, not yet reflected in the budget.
Making choices that sound like them, still second-guessing a few.
Thriving
The bank statement reads like a values statement.
Says no to good opportunities that don't fit.
I hire my money to matter beyond me, so what I leave behind is by design, not by default.
Dormant
Gives when asked, never by design.
Assumes the family will figure it out.
Emerging
Wants to leave something meaningful, hasn't defined what.
Gives regularly, without a strategy.
Growing
Giving intentions written down, not yet funded.
Family meeting held once, not yet a rhythm.
Thriving
Gives with a plan, a vehicle, and a reason.
Their generosity will outlast them by design.
How it works
Take the Wealth Score
Twelve questions and a systems check
Get your results by email
An overall score and a score for each dimension
Review it with an advisor
And build a strategy from what it shows
Built for people with real decisions ahead
You've done the hard part and have real savings, and now a decision is coming that could change how you live.
If you have done well and still wonder whether it is all working together, this was created for you.
Get Your Wealth Score- Comparing notes on a financial plan you already have
- Building your first financial plan, and wanting a modern place to start
- Checking whether your money still fits the life you're living now
- Taking it separately with your spouse or partner to see where you differ
- Managing your own money and wanting a check on what a spreadsheet can't measure
- Getting clear on what your money is for, whatever markets are doing
- Preparing for a first conversation with an advisor
- Simply wanting to know your number
What your score may reveal
Your results can help you see where your financial life is strong, where it may be out of balance, and which questions are worth asking next.
Clarity
See how the four parts of your financial life fit together
Tension
Spot where one part may be pulling against another
Direction
Review your score with an advisor and build a strategy from it
Questions people ask
About twelve minutes, and nothing.
Because your time matters, and getting it down to twelve took months of rewrites and testing.
The only way to get it wrong is to answer the way you think you should, and the score is only as useful as your answers are honest.
Because your money is there to serve your life, and it's hard to give good advice about the money without knowing what it's for. We also hope some people who take it will want to work with us, and we'd rather say that up front.
They go to Up Capital Management, and an advisor uses them to prepare if you choose to talk it through. Details are in our privacy policy.
Your results email includes a link to book time with an advisor, and using it is up to you.
It's an educational tool, and it doesn't make recommendations. An advisor can help you decide what to do with what it shows.
An independent, fee-only fiduciary wealth management firm in Roseville, California, family-owned since 2012 and paid only by our clients.
The Wealth Score is for general education only and is not individualized investment, tax, or legal advice.