- Surface 04 - Risk & Resilience

Seven dimensions.
One radar.

One number can't tell you how robust your wealth is. We score you across seven independent dimensions - liquidity, longevity, concentration, leverage, income stability, tax fragility, and protection - and surface the weakest, not just the average. Resilience is what's left when one of them breaks.

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The seven Why seven, not one Sample radar UK fragility
- The seven

What we measure.

Each dimension is scored 0-10 against your actual numbers, with the assumption you can read every score and ask why. Hover any axis on the radar and the underlying calculation opens - no black boxes.

Liquidity

How quickly can you reach cash without selling at the wrong time

Longevity

Will your wealth outlast you under realistic assumptions

Concentration

How exposed are you to one asset, one employer, one decision

Leverage

What does your debt look like under rate shocks and income shocks

Income stability

How robust is the cash coming in if one stream stops

Tax fragility

How sensitive is your plan to one rule change or one bad allowance year

Protection

Life, illness, income - what's covered, what isn't, what would happen.

Why seven, not one
A single score hides the answer.
A "moderate-aggressive" label tells you nothing useful. What tells you something useful: "your liquidity is fine but your concentration is the weakest dimension - 69% of your wealth is in one employer's pension." That's actionable. A 7/10 isn't.
Weakest, not average
The chain breaks where it's thin.
We surface the lowest-scoring axis first. Average masks fragility.
Explainable
Every number tappable.
Tap any axis to see the formula, the inputs, and what would move it.
- Sample radar

What a real reading looks like.

A worked example for a fictional household. Each axis is a 0-10 score with the actual driver underneath. The lowest score is surfaced first - because that's the one you'd act on.

Profile - age 51 - joint - estate £1.42m
Resilience score: 6.4 / 10
Liquidity - 8.2 / 10 - 7 months of cash buffer + accessible ISAs.
Longevity - 7.4 / 10 - plan funds to age 92 at 80% confidence.
Income stability - 6.8 / 10 - 1 employer, 1 BTL, 2 streams total.
Leverage - 6.5 / 10 - mortgage 38% LTV, refix at +1.2% adds £140/mo to cashflow.
Protection - 6.1 / 10 - life cover £250k each, income protection lapsed 2023.
Tax fragility - 5.0 / 10 - bonus pushes you over the £100k taper most years.
Concentration - 4.6 / 10 - weakest - 58% of wealth in primary residence + employer pension.
Weakest axis
"Address concentration first."
The single recommendation: diversify £40k≈£80k away from the primary residence / employer pension over the next 24 months.
Drillable
Every dot tappable.
Click any axis - see exactly which assets contributed, the formula, what would move the number, and by how much.
- UK fragility reality

Why resilience matters more than return.

Most UK households don't fail through bad investments - they fail through bad structure. One illness, one rate shock, one redundancy, one bad tax year. Risk & Resilience tells you where you'd break before it breaks.

UK adults without emergency savings
34%

UK adults with less than £1,000 in savings - one bad month from a cashflow crisis.

FCA Financial Lives
Without income protection
~93%

UK households with no income protection cover - the most under-bought form of resilience.

ABI - Protection Watch
UK adults over-concentrated in property
~50%

Households where the primary residence is over 50% of net worth - concentration risk in plain sight.

ONS Wealth & Assets
Working-age UK with no plan
8 in 10

UK adults with no written financial plan - resilience untested until the test arrives.

Money & Pensions Service

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