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Your Score
Know exactly where you stand
The Cube Wealth Readiness Engine™ scores your financial health across 6 pillars and shows your position on the wealth pyramid — in about 5 minutes.
Free · No account required · About 5 minutes
The traditional way vs. the DIY way
Most people get financial clarity one of two ways — an expensive sit-down meeting, or trial and error. There's a third option.
Your tier, your plan
Every tier on the pyramid has a coaching path
Your score tells us where you are. Our services meet you there — with the right tools, resources, and coaching to move you up.
How it works
Answer 16 questions
Straightforward questions across 6 pillars — protection, emergency fund, debt, investing, wealth building, and financial habits. No account numbers, no documents.
Get your score
Instant score from 0–100, your tier from At Risk to Wealth Ready, and your position on the wealth pyramid.
Choose your next step
Free educational resources matched to your tier — calculators, guides, and an optional AI-Generated Educational Action Roadmap.
It's not necessary to do extraordinary things to get extraordinary results.
The 6 pillars we score
Each pillar is weighted by its impact on long-term financial health. Your answers map to all six.
Protection
Life, disability, and liability coverage — the foundation everything else rests on.
Emergency Fund
3–6 months of expenses in liquid savings — the buffer against life's setbacks.
Debt Management
Eliminating high-interest debt and building a healthy debt-to-income ratio.
Investing
401(k), IRA, index funds — growing wealth through tax-advantaged investing.
Wealth Building
Taxable accounts, real estate, business equity — building assets beyond retirement accounts.
Financial Habits
Budgeting, tracking, and the routines that keep a plan alive.
The Framework
The Financial Planning Pyramid
Lasting wealth is built in layers — each level depends on the one below it. Hover any tier to see what it means for your financial plan.
Hover any tier to explore
Each level represents a pillar of your financial plan — from the foundation up to Financial Independence.
Your score reveals which level needs attention — and what to do next.
The five readiness tiers
These tiers are illustrative examples. Your personalized tier comes from completing the free assessment.
At Risk
Key financial foundations are missing. Protection, emergency savings, or debt management carry real risk.
Getting Started
Some foundations are in place, but significant gaps remain. Focus on protection and liquidity first.
Building Momentum
A solid base is forming. The focus now is eliminating high-cost debt and maximizing tax-advantaged investing.
On Track
Strong fundamentals. The opportunity now is optimization — closing the remaining gaps.
Wealth Ready
All six pillars well-developed — protected, liquid, debt-managed, and investing consistently.
Built on transparency
DIY Wealth Planning is an education-first platform. The assessment, calculators, and educational roadmap are free. Optional professional support is available if and when you want it — never a requirement.
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Your Score
Your financial picture in 5 minutes
No account required. No credit card. Just an honest look at where you stand — and a clear path forward.
Start My Free AssessmentFree · No account required · About 5 minutes
For educational purposes only. For educational purposes only. The Cube Wealth Readiness Engine™ produces educational readiness scores only. No output constitutes personalized financial, investment, tax, or legal advice. DIY Wealth Planning and Cube Insurance Group are not registered investment advisers.