Financial Wellness Assessment

Answer a few questions about your money habits, receive a rating of your overall financial health, and begin to design your path toward financial wellness.

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XCEL FCU presents the Financial Wellness Assessment: A powerful tool to improve your financial health.

Is the Financial Wellness Assessment for me? Yes!

Worried your situation is too complicated? Embarrassed by the idea of pulling back the curtain on your finances? No matter where you are, this assessment will give you the information you need to understand and improve your finances. Check it Out

This financial assessment evaluates the 8 most important aspects of your relationship with money.

  • Behaviors and Emotions

    Consider how you feel about money and learn how to make your finances a source of fulfillment.

  • Credit

    Examine your credit score and borrowing habits to find opportunities to improve.

  • Debt

    List your debts and see how your payments affect your overall financial health.

  • Emergency Fund

    Discover if you’re prepared to weather an emergency and how to create a safety net.

  • Insurance

    Check for cracks in your coverage and prepare to protect your future.

  • Retirement

    Find out if you’re on track to retire and what you can do to pick up the pace.

  • Savings

    Evaluate your progress toward savings goals and learn what you can do to reach them faster.

  • Spending Habits

    Take a look at how you spend your money and discover how to improve your budgeting skills.

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Your Launch Pad

This financial assessment is more than just a grade that showcases your successes and failures, it gives you a flight path to financial success with personalized recommendations and resources.

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Fast and Free

It takes less than 5 minutes to get a personalized plan for improving your financial health. So take a moment to invest in yourself and start the journey toward reaching your goals.

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Examine Your Finances

It’s tempting to tell yourself that you’d rather not think about your financial health, but that’s a road to unnecessary headaches and unmet goals. This assessment will get you on the path to financial satisfaction.

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  • Less than 5 minutes. But the assessment will refer you to hours of content that will help you learn more about various aspects of your financial health. You can even save your progress and the accompanying resources for you to reference at any time.

  • The vast majority of the information you’ll need are things that you’ll know without having to dig through files or look something up, such as your spending habits and debt information. Remember, this financial assessment is designed to be as easy as possible, so if there’s anything you don’t know the specifics of, that’s okay! Just take your best guess.

  • You achieve financial wellness by making healthy financial decisions. For example, deciding to conserve power to save on electricity or saving a percentage of your monthly income for retirement, can both help build toward a more financially secure life and, thus, increase your financial wellness.

  • A financial wellness score is a way to gauge how you’re doing and find the areas that you can improve. The Financial Wellness Assessment gives you a score of 1-100 and places you into one of four categories depending on that score.

  • Your finances affect nearly every aspect of your life, whether directly, such as changing the quality of the things you buy, or indirectly by adding stress or anxiety to your life. By taking care to address your financial situation, you can improve nearly all other aspects of your life.