Financial Wellness Assessment: Complimentary Financial Health Check
Take our complimentary Financial Wellness Assessment for a five-minute financial health check from Liberty One Wealth Advisors.
Financial Wellness Assessment
A new job with a different pay structure. A market drop that has you checking your account balance more than usual. A birthday with a zero in it that makes retirement feel closer than it did last year. Moments like these can be a good reason to take a fresh look at your financial picture.
The Financial Wellness Assessment is designed to help you do that. It’s built around the Financial Resilience Self-Check, a complimentary financial wellness assessment that takes about five minutes and asks you to consider key areas of your financial life. There is no cost, no bank account linking, no credit check, and no obligation.
What the Financial Wellness Assessment Covers
The assessment covers key areas of financial wellness, including your financial exposure if income were interrupted, how your debt is structured, whether your insurance appears aligned with the risks you have identified, and how prepared you are for the years ahead. You provide your own answers about your situation without linking financial accounts.
You may know this style of tool as a financial wellness quiz. Think of it as a financial health check rather than a full financial audit or plan. It can help identify areas that may be worth reviewing more closely.
What Financial Resilience Actually Means
Financial resilience is different from net worth. Net worth provides one view of your financial position, while resilience considers how well your finances may be able to absorb an unexpected financial shock without materially disrupting your broader plan.
Two households can have the same net worth but very different levels of financial resilience. Liquidity, income concentration, insurance, and debt structure can all affect how a household responds to a job loss, market decline, or other disruption. [Building an emergency fund] is one way to explore the liquidity side of financial resilience in more detail.
Signs It Is Time for a Financial Checkup
Certain moments may prompt you to take a closer look at your finances. A financial checkup may be worth considering after:
A job change, a raise, or a shift to variable income
Selling a business or another significant asset
Receiving an inheritance or other windfall
A new child, or a child finishing school
A divorce or other major change in household structure
Retirement coming into view in the next several years
No financial plan, or a plan that has not been reviewed in two or more years
A significant change in your financial goals or priorities
None of these require a crisis to matter. Many households find that their financial plan has not kept pace with changes in their lives. For those approaching retirement, [preparing for retirement] may be one area worth reviewing more closely. A financial health check can help identify other areas that may warrant attention.
What This Assessment Is, and What It Is Not
The Financial Resilience Self-Check is a complimentary educational tool that does not require bank account linking or a credit check. There is no cost or obligation to speak with an advisor. It provides general educational information and is not personalized financial, tax, or investment advice.
Reviewed by Liberty One Wealth Advisors
This page and the guidance surrounding the assessment are reviewed by Liberty One Wealth Advisors’ advisory team. Reviewer: Jacky L Petit-Homme, CFP®, CEPA®️ Managing Director & Wealth Advisor. Last reviewed: August 19, 2026. Educational content only. The assessment and this page do not constitute personalized financial, tax, or investment advice.
Financial Wellness Assessment: Common Questions
How long does the financial wellness assessment take?
Is the financial wellness assessment complimentary?
Yes. There’s no cost to take the Financial Resilience Self-Check and no obligation attached to your results.
Do I have to link my bank accounts or share account numbers?
No. The assessment doesn’t require account linking, account numbers, login credentials, or a credit check. It relies on the answers you provide about your financial situation.
What is a good financial wellness score?
There’s no single “good” financial wellness score that applies to everyone. The score is a starting point for identifying areas that may deserve a closer look rather than a stand-alone measure of financial health.
What is the difference between a financial checkup and a full financial plan?
A financial checkup, like this assessment, gives you a quick read on where you stand and where to look more closely. A full financial plan typically considers your broader circumstances, goals, investments, tax considerations, insurance, and other planning needs in greater depth.
How often should I do a financial health check?
A financial health check may be useful once a year, with an additional review after a major life change such as a new job, windfall, birth, or retirement coming into view.
What happens after I complete the assessment?
You can review your results after completing the assessment. There is no obligation to speak with an advisor, but you may choose to [discuss your results with an advisor] if you want additional context.
Prefer to talk first? Book a conversation with an advisor instead.
Contact us and let’s work together
Contact
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2001 Market Street Suite 2500 Philadelphia, PA 19103
Office Hours: Mon – Sat: 8:00 AM – 10:00 PM
