How PFS Works
Understand the PFS journey from assessment to financial clarity and optional professional discovery.
Understand your current financial stage
Complete the structured PFS assessment so the platform can build a picture from the information you provide.
Review your report
The report brings together the financial information represented in your assessment so you can understand the current picture.
Learn the categories
PFS provides category-level education to explain how relevant financial categories work across life stages. It does not select specific products.
Decide what you want to do
You can stop with your report, reassess later, or independently decide that you want professional guidance.
Choose a professional if you want one
The adviser directory is optional. You choose whether to request a connection. The adviser sees an anonymised snapshot and chooses whether to accept.
Keep the picture current
PFS supports reassessment so the financial picture can be updated when income, goals or obligations change.
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.