Planner Score: A Deeper Look
The Planner Score is a metric designed to measure the completeness of a user's financial plan. It provides a standardized way to ensure that the Boldin AI model has sufficient real-world inputs to generate accurate projections, such as the Chance of Success.
Scoring Methodology
The current scoring system is based on an additive model where points are earned as users complete specific planning milestones.
Total Points Available: Users can earn a total of 290 points during the beta phase.
Scoring Legs: Points are distributed across two primary categories: Build (core plan information) and Explore (engagement with planning tools). A third "Refresh" leg is planned for a future release.
Element Weighting: Every individual element is worth exactly 10 points; there is no specific weighting based on perceived importance.
Persistence: Points are purely additive and do not decrease during the beta period.
Completion via Negation: For elements that do not apply to a user (e.g., non-mortgage debt), confirming "I don't have any" counts as complete and awards the 10 points.
Scenario Specificity: The score is unique to the specific scenario being viewed.
Improving Your Planner Score
The Planner Score provides a simple way to measure how complete your financial plan is. The goal is to provide enough detail so the Boldin model can generate the most accurate projections possible.
1. The "Build" Leg (Core Plan Details)
This section covers the fundamental details of your financial life. Points are earned by filling out:
Personal Profile: Name, gender, and date of birth.
Retirement Goals: Target retirement age and longevity planning.
Income & Expenses: Work income, recurring budget, and anticipated one-time expenses.
Assets & Debt: Savings, investments, and debts.
Health & Legacy: Long-term care, medical coverage, and estate goals.
2. The "Explore" Leg (Interactive Planning Tools)
This section rewards you for stress-testing your plan using interactive features:
Run Explorers: Social Security, Roth Conversion, and Market Risk explorers.
Build Scenarios: Creating and saving "what-if" scenarios.
Manage Transfers: Planned contributions or distributions.
AI Engagement: Chatting with Boldin AI to discuss your plan.
Quick Tips for Success
Confirm "None": If a section doesn’t apply, confirming "none" still awards full points.
Completeness Equals Accuracy: Higher scores lead to more trustworthy long-term projections.
Scenario Specific: Scores are unique to the specific scenario you are currently viewing.