Replace Financial Confusion with Financial Clarity
Learn why Personal Financial Stage exists and how it approaches financial clarity before financial decisions.
Why PFS exists
Personal Financial Stage (PFS) exists to help people understand where they stand before deciding where they wish to go. The platform is education-first and designed as a foundation before product decisions.
The principle
PFS is built around the idea that people need a structured picture of their own financial position before a financial product or professional conversation can be properly understood.
What PFS is not
PFS is not a product-selling platform, a product recommendation engine, a lead-selling marketplace or a replacement for a financial professional.
The professional relationship
PFS can help a person become more prepared for a professional conversation. It does not replace the professional who provides advice or other regulated services.
Built by Quant Finance Lab
PFS is a business by Quant Finance Lab. The two businesses operate in different financial contexts but share an emphasis on understanding uncertainty before acting.
Start with your financial picture
If you want to understand your current Personal Financial Stage, you can start the PFS assessment.
Start PFS →How PFS credits actually work
PFS has three separate credit concepts. They are not interchangeable.
- PFS Assessment Credits: used for a person's own PFS assessments. The first assessment is free. The 10-assessment plan provides 10 fresh assessments, each personalised to the information entered, and the credits are valid for 3 years.
- Connection Credits: used by advisers for user-initiated requests from the PFS Adviser Directory. The user chooses the adviser. The adviser sees the user's anonymised financial snapshot before deciding. One connection credit is deducted only when the adviser accepts. Declining uses no connection credit.
- Intake Credits: a separate adviser pool for an adviser's own Intake Link. The audience can use the link without paying and there is no audience-size limit. A shared intake arrives as an anonymised PFS profile; one intake credit is deducted only when the adviser accepts it. Rejecting an intake uses no intake credit.
Assessment credits are for taking PFS yourself. Connection and intake credits are adviser-side credits for accepting people through two different routes.
Founder
Krishnendu Karmakar is the founder of Quant Finance Lab and the person building and running PFS as a solo-founder practice.