Methodology
The GWP Score
A credit score changed how Americans managed debt. The GWP Score is designed to do the same for wealth: one number, five dimensions, and the attribution to know exactly why it moved.
What it is
The GWP Score is a composite 0-850 rating of your wealth trajectory. Not your net worth. Not your income. Your trajectory: the structural health of how you are building wealth right now, across five dimensions institutional wealth managers have always tracked.
GWP Score
712
of 850
The five dimensions
01
Income Efficiency
What it measures: How much of your income actually converts to net worth growth, not just what you earn but what you keep and deploy.
Why it matters: High earners with low income efficiency are running a financial treadmill. This shows whether your income is building anything.
02
Savings Rate
What it measures: The consistency and proportion of income you save, including whether saving is automated, sustained, and intentional.
Why it matters: Irregular saving is a common wealth-building failure in the $75K-$200K income band. This catches it early.
03
Asset Allocation
What it measures: Whether your investment mix reflects age, goals, timeline, and risk profile, or whether it is neglected and misaligned.
Why it matters: Allocation drift quietly destroys decades of compounding when portfolios are never recalibrated.
04
Risk Exposure
What it measures: Concentration risk, debt-to-income ratio, recurring expense drag, and overall financial fragility.
Why it matters: Strong income can still be structurally fragile when leverage and concentration risk stay unchecked.
05
Liquidity Position
What it measures: Emergency runway, accessible reserves, and the ability to absorb a financial shock without going backward.
Why it matters: Illiquidity is the hidden enemy of wealth building; one shock can wipe out years of progress.
Score ranges
Exceptional
800-850
your wealth trajectory is running at institutional standard
Strong
700-799
solid fundamentals with targeted optimisation opportunities
Developing
600-699
the foundations are forming but structural gaps remain
Fragile
500-599
income may be strong but wealth-building infrastructure needs attention
Building
Below 500
clear, actionable improvements available across multiple dimensions
Attribution: the causal link
What makes the GWP Score different from any other financial metric is not just the number, it is the attribution. When your score moves, you see exactly which dimension shifted, which behavior caused it, and what action moves it back in the right direction. No black box. No guessing. Just signal.
Behavior: Increased monthly debt payments
Liquidity Position +8 • GWP Score +12