How sure are you about your money future? Try our evolving Accumulator Scorecard.

How confident are you about your financial future? Take the Accumulator Scorecard and get instant clarity on where you stand.

The Accumulator Scorecard is still evolving – and that’s intentional. I’m building 3 Scorecards (depending on which life stage you fall into) through real-world use and real-world feedback from people just like you.

Even though they’re not the ‘final version’, they already do something incredibly valuable: they give you clarity.

Clarity about what you’re doing well. Clarity about what might need attention. Clarity about the next small steps that can make a big difference to your financial future – even if we never work together.

What “financial certainty” looks like when you’re still accumulating

If you’re in the building phase of life – earning, saving, investing, raising a family, growing your career – your financial certainty comes from a different set of markers than someone nearing retirement.

Typically it shows up in areas like:

• Spending: You know what’s coming in, what’s going out, and your spending feels intentional rather than reactive.

• Debt: You’re managing credit cards, personal loans, or a mortgage without feeling stretched or stressed.

• Savings Rate: You’re consistently putting something aside – even if it’s small – because the habit matters more than the number.

• Superannuation: You’ve started paying attention to fees, investment options, and whether your balance is tracking well for your age.

• Early Investing Habits: Maybe you’ve dipped your toe in - or you’re ready to - but what matters is that you’re building the confidence to make your money work harder for you.

  
  

When these pieces are solid, certainty grows. When they’re shaky, that’s where the Scorecard shines a light.

Why the Scorecard is a work in progress (and why that helps you)

The Accumulator Scorecard isn’t a static tool - it’s something we are refining constantly based on real people’s experience.

Every time someone completes it, we learn a little more about:

• what’s clear

• what’s confusing

• what’s missing

• and what helps people get their next small win

Your experience becomes part of its evolution. In other words, you’re helping shape a tool designed to give everyday Australians more financial confidence and certainty.

Because the tool is still growing, your feedback directly improves it - making it more accurate, more relevant, and ultimately more useful for you and others on the same journey.

How to use the Accumulator Scorecard

The Scorecard takes just a few minutes to complete.

You’ll answer simple statements across key areas of financial life, and at the end you’ll get:

• a clear snapshot of where you’re strong

• where you might want to focus next

• and what small steps could make the biggest impact

You don’t need to know financial jargon. You don’t need to have everything sorted. You just need to answer honestly - because clarity only works when it’s real.

The magic is in revisiting it

Your financial life is always changing - your income shifts, kids get older, debts reduce, jobs change, goals evolve.

That’s why the real power of this Scorecard comes from checking in on it over time.

I suggest:

• retaking it every 6–12 months,

• noticing how your responses shift,

• and watching your certainty grow from “not sure” to “I’ve got this”.

Small improvements compound. And seeing those improvements laid out in front of you builds confidence faster than you might expect.

Ready to get started?

Take the Accumulator Scorecard here → Go to Link

Try it today, then again in 6 –12 months’ time to check in on your financial certainty.