Wealth Safety Index™
A personal wake-up call changed everything.
In 2013, our founder, Adam Smith, faced a family tragedy that reshaped his view of financial planning. When his father-in-law passed unexpectedly, Adam had to help guide a grieving family through tough, unanswered questions:
Was there enough life insurance?
Were the estate documents complete?
How would his mother-in-law get income now?
He realized then: “almost there” planning wasn’t enough. From that moment on, Adam made a promise—no client’s family should ever face avoidable financial pain.
That’s why Private Financial Counsel puts protection first. Every plan starts with our eight-point Wealth Safety Index™, a diagnostic to help unearth potential risks before your money is exposed. Because in life and retirement, preparation beats luck.
Your Wealth Safety Index™
Think of the Wealth Safety Index™ as a financial weather radar: it scans eight crucial areas of your life and assigns each one a score, so you can see clearly where you’re fortified and where you’re exposed.
Tax Minimization Strategy
Are you positioned to keep more of what you earn today and in retirement?
Market & Economic Volatility
Could a sharp downturn force you to alter your lifestyle?
Healthcare & Long-Term Care Costs
Would a prolonged illness erode your assets faster than anticipated?
Legal & Liability Exposure*
Could a lawsuit, judgment, or creditor claim pierce your personal holdings?
Business & Partnership Risk
If you own a business, is your personal wealth insulated from a partner’s exit, dispute, or lawsuit?
Legacy & Beneficiary Control
Will your wealth transfer efficiently to the right people and causes without unnecessary expense or conflict?
Family Dynamics
Would you know what to do in the case of life changes like divorce, remarriage, blended families, or caring for aging parents?
Liquidity & Cash Reserves
Do you have readily accessible funds so surprises don't cause disruption to your investments at the wrong time?
What the score means for you
Each factor is graded on a simple 0–10 scale and color-coded for fast clarity; no jargon required.
You receive an at-a-glance report plus a prioritized action list, so you know exactly what to tackle first.
We update the Index regularly, turning progress into something you can measure and celebrate.
No score can promise perfection, but the Wealth Safety Index™ helps transform blind spots into clear-sighted decisions you can act on today, long before they become tomorrow’s regrets.
