PFS Frequently Asked Questions
Answers to common questions about Personal Financial Stage, financial clarity, assessments, advisers, privacy and the PFS operating model.
About PFS
Personal Financial Stage (PFS) is an education-first Financial Clarity Platform by Quant Finance Lab. It helps people understand where they stand before making an important financial decision.
Products and advice
PFS does not recommend specific financial products and does not provide financial advice. Its financial education is category-level context.
Assessment and reassessment
The current PFS product offers a free first assessment for a new individual user and supports multiple saved assessments for people who want to reassess as their financial situation changes.
Professional connections
A professional connection is optional. Users independently choose whether to browse the adviser directory and request a connection. Advisers can accept or decline after reviewing an anonymised profile.
Adviser intake
Advisers can use an intake link with their own audience. The audience completes PFS for free and can voluntarily share an anonymous profile with the adviser.
Privacy and contact sharing
The adviser connection begins with an anonymised profile. After acceptance, encrypted chat opens inside PFS. Contact information is shared only when the parties choose to share it.
Lead generation and ranking
PFS does not sell or generate leads and does not rank advisers by payment. Directory listings are designed to shuffle independently.
CRM
PFS is not a CRM. It is a financial clarity and professional-selection layer that structures the beginning of a financial conversation.
Explore PFS for your practice
See how PFS works for financial advisers, including directory connections and adviser intake links.
For financial advisers →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.