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Financial Confidence Score

How confident are you in your financial future?

Most of us rarely stop to ask, “Am I actually making the most of my money?”

The Financial Confidence Score is a short, self-guided tool designed to help you reflect on how you feel about your finances and how prepared you are for the future. It’s not about right or wrong — it’s about understanding where you’re confident, where there might be gaps, and whether there are areas you haven’t considered yet.

You’ll reflect on things like:

  • How in control you feel day-to-day with your money
  • Whether your super and retirement plans feel on track
  • How protected you and your loved ones are
  • Your comfort level with investing and longer-term decisions
  • Whether you've thought about things like tax, estate planning or leaving a legacy

It’s a quick and insightful way to get a snapshot of your financial mindset — and to start thinking about whether financial advice could help bring clarity to the areas that matter most to you.

Sometimes we don’t know what we don’t know — and that’s where advice can make all the difference.

Take the quiz now and get a clearer view of your financial world.

1
Section 1: About You
2
Section 1: Financial Goals & Life Planning
3
Section 2: Budgeting & Cashflow Management
4
Section 3: Retirement Planning & Superannuation
5
Section 4: Insurance & Risk Management
6
Section 5: Estate Planning
7
Section 6: Tax & Structuring
8
Section 7: Investing
9
Section 8: Overall
1. Do you have clear short, medium, and long-term financial goals?
2. Have you reviewed or updated your financial goals in the past 12 months?
3. Have you planned ahead for upcoming major lifestyle expenses (e.g. holidays, car upgrades, renovations)?
4. Is buying your first home or upgrading your current home part of your future financial goals?
5. If you have children (or plan to), have you thought about their education costs or whether you would like to gift them funds in the future?
6. Do you consistently track your spending and savings?
7. Are you confident in your ability to manage cashflow and avoid ‘bill shock’?
8. Do you have a mortgage strategy in place (e.g. offset, redraw, extra repayments)?
9. Do you have a plan to manage or eliminate personal debts (e.g. car loans, credit cards, personal loans)?
10. Do you know how much superannuation (or other investment assets) you’ll need to retire comfortably?
11. Are you proactively trying to grow your super through contributions or specific fund / investment choice?
12. Do you have personal insurance cover (life, TPD, trauma, income protection) that reflects your current debt levels and ongoing expenses?
13. Do you have a legally binding Will and Power of Attorney?
14. Is leaving an inheritance or financial legacy for your family important to you?
15. Are you confident that you're making the most of available tax deductions or structuring your finances efficiently?
16. How do you feel about investing (e.g. shares, ETFs, property, or managed funds)?
17. Do you currently invest in property and/or shares with a clear strategy?
18. Do you understand your investment risk profile and asset allocation?
19. Is ethical investing (e.g. sustainability, social responsibility) important to you?
20. How would you describe your current financial position?

Ready to see your Financial Confidence Score?

Pop in your details below and we’ll send it straight to your inbox.

No matter your score, ActOn Wealth can support you with clear, strategic advice to help you take control of your financial future. Whether it’s optimising your super, reducing tax, planning for retirement or aligning investments with your values – we’re here to help.

You'll also have the option to speak with a qualified ActOn Wealth financial adviser in a complimentary 10-minute phone call. We'll walk through your score and highlight any areas where advice could help you feel more confident, in control, and future-ready.
This chat is completely optional — but it’s a great way to get clarity on next steps if you’re curious about what financial advice could look like for you.
You’ll still receive your score even if you choose not to book a call.
ActOn Wealth is a privately owned boutique financial planning firm in Melbourne. Our number one focus is our clients. We strive to provide an exceptional service to help you achieve financial security and prosperity.

14/20 Commercial Road, Melbourne VIC 3004
13000 ACTON ( 1300 022 866 )
contactus@actonwealth.com.au 

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Financial Services

Budgeting & Cash-Flow Management
Investment Advice & Wealth Creation
Insurance Advice & Risk Management
Retirement Planning & Superannuation Advice
Self-Managed Superannuation Fund (SMSF)
Property Investment Advice
Ethical Investment Advice
Lending & Finance
Estate Planning Advice

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Scoring Guide

Out of 38 if all questions answered


36 if 1 not applicable (Q 5, 8, 9)
34 if 2 not applicable (Q 5, 8, 9)
32 if 3 not applicable (Q 5, 8, 9)

26-38 if all questions answered
24-36 if 1 not applicable
23-34 if 2 not applicable
21-32 if 3 not applicable

You're Financially Confident — Now It's Time to Optimise


You’ve clearly made solid progress in building a strong financial foundation. You’re either actively investing, managing your debt, or planning for the future with a great level of intention.
Still, there’s always room for refinement — whether that’s maximising tax efficiency, reviewing your investment strategy, or preparing for big life events like retirement, children’s education or legacy planning.

How ActOn Wealth can help:

  • Fine-tune your strategy with proactive reviews
  • Explore new growth opportunities or tax efficiencies
  • Align your finances with your long-term vision and values
  • Keep you accountable and on track

Out of 38 if all questions answered

 

13-25.5 if all questions answered

12-23.5 if 1 not applicable

11-22.5 if 2 not applicable

10-20.5 if 3 not applicable

You’re Building Momentum — Let’s Take It to the Next Level

You’ve already laid some important groundwork — maybe you’ve started investing, built up super, or set financial goals. That’s fantastic progress.
With a few adjustments, clearer strategies, and some expert support, you could move from financial confidence to real financial empowerment.

How ActOn Wealth can help:

  • Bring structure and clarity to your financial world
  • Help prioritise goals and track your progress
  • Optimise key areas like tax, insurance, and investments
  • Give you peace of mind that you’re on the right path

Out of 38 if all questions answered

0-12.5 if all questions answered

0-11.5 if 1 not applicable

0-10.5 if 2 not applicable

0-9.5 if 3 not applicable

There’s Huge Potential for You to Benefit from Financial Advice

You’re not alone — many Australians feel unsure about where to start. If you’re feeling disorganised, unsure, or worried about the future, now’s the time to take control.
Working with a financial adviser isn’t just for the wealthy — it’s for anyone who wants clarity, confidence, and a roadmap forward.

How ActOn Wealth can help:

  • Help you prioritise what matters most
  • Set up systems for budgeting, saving, and debt reduction
  • Build a roadmap for retirement, investing and wealth creation
  • Give you the confidence to stop winging it and start planning for real

No matter your score, ActOn Wealth can support you with clear, strategic advice to help you take control of your financial future. Whether it’s optimising your super, reducing tax, planning for retirement or aligning investments with your values – we’re here to help.