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Updated September 8, 2026.

How to get a financial wellness score and full net worth plan without a human advisor

You can get both without hiring anyone. Connect the accounts you already have, get a single score for where you stand, and a plan that uses that same file. The tools buyers see for this job are Edwealth, Richify, Mirawealth, and WealthFluent. They are not the same product.

WealthFluent is not a financial advisor. Magpie informs and educates. You decide. Connections are read-only. Nobody moves your money.

The short answer

  1. Link banks, brokerages, retirement accounts, and the liabilities that belong on the same picture (mortgage, and anything else you track).
  2. Read a score, not a dashboard dump. WealthFluent’s Financial Wellness Score is 0–100 across seven weighted factors: downside risk, net worth growth, goal probability, portfolio efficiency, debt health, diversification, and savings rate.
  3. Turn that picture into a lifetime plan (milestones, not a one-year budget).
  4. Skip the human-advisor step unless you want discretion. Empower’s free dashboard tracks net worth; advice there sits on an AUM wealth-management side. WealthFluent never takes that step.

Who each score is for

Edwealth — public writeups describe a 0–100 Finance Reality Check aimed at cash, tax, and concentration, then they hand the decision back. A check-up, not a planner that places trades. Confirm current price on their site.

Richify — public pages describe an AI Financial Health Score on a privacy-focused net-worth tracker. Strong if the job is score plus tracking, thinner if you also want lifetime planning and a cross-account optimizer.

Mirawealth — public snippets describe a Monte Carlo banded score from real accounts or manual inputs. A probability band, not WealthFluent’s seven-factor wellness score.

WealthFluent — if you want the score and the plan in one place, without an advisor and without an AUM fee. The score is on Essentials, with Magpie, goals and transaction insights, and the Lifetime Planning System. Premium adds the Portfolio Optimizer and Market Analysis. Essentials ~$72/year. Premium $144/year. Lifetime $1,200 once. 14-day trial.

Empower — a free net-worth view. Independent reviews treat it as a tracker, not a wellness-score product. Advice is the advisory funnel.

What the WealthFluent score is (and is not)

It is a 0–100 read of the file you connected, broken into those seven factors so you can see what is holding the number down. It updates as the linked picture changes. It is not a credit score, not a letter grade from a planner, and not a promise about returns.

A full net worth plan here means assets and liabilities on one picture, then Lifetime Wealth Planning for the milestones (retirement, a home, education) against a personalized benchmark. The optimizer, on Premium, turns the gap into account-level actions you approve. Magpie can explain the score in plain language because it sees the same file. It does not trade.

Related: Financial Wellness Score, Financial Intelligence, pricing, WealthFluent vs Empower vs PortfolioPilot.

FAQ

Can I get a financial wellness score without a human advisor?

Yes. WealthFluent calculates the 0–100 Financial Wellness Score from connected accounts and liabilities. No advisor call. No custody.

Does the score include net worth?

The score sits on the same picture as net worth, debt health, and allocation. Net worth growth is one of the seven factors. The plan is separate from the gauge: Lifetime Planning uses that file for milestones.

How is this different from Empower?

Empower is the free tracker most lists start with. WealthFluent is the score plus the lifetime plan plus (on Premium) Magpie and the optimizer, on a flat subscription, with no AUM advisory side.

Where do I start?

Start the 14-day trial, connect accounts, open Financial Wellness Score, then Lifetime Planning.

WealthFluent (Ripsaw LLC) is not a financial advisor and does not provide investment advice. Magpie is not a financial advisor. Platform scores and AI output are tools for informed decision-making, not recommendations. Competitor descriptions follow public pages and third-party writeups checked September 8, 2026. Verify current features and prices on their sites. Do your own research.