Improvement Layer · PROS
Personal Resilience Operating System
Foundation forming. Closing the Top 3 priorities will move you to Protected.
Personal Resilience Score
Emerging
Improvement Dashboard
Four flagship sub-scores measure both present security and future improvement capacity.
Headroom available on HPOS — higher means more upside to capture
Projected HPOS gain in the next 12 months at current cadence
Average resilience trajectory across the next decade
Present-day composite of Protection Index, FSI, and Health
Progress Dashboard
Every flagship score in one view — track movement over time.
HPOS Composite
45/100
Grade D — Vulnerable Household Protection
Protection Index
49/100
Vulnerable Protection
Financial Safety
45/100
Vulnerable Financial Safety
Household Resilience
44/100
At-Risk Resilience
Protection Health
50/100
Grade D
Priority Alignment
0/100
Alignment with your recommended actions
Guidance Dashboard
Five intelligence layers help you answer: "What should I do next?"
Resilience Improvement Center
Ranked opportunities scored on Impact, Difficulty, and Expected Outcome.
Open →Gap Elimination Engine
Coverage, preparedness, retirement, asset, and risk gap reduction plans.
Open →Annual Protection Review 3.0
Year-over-year review across protection, preparedness, resilience, retirement, and FSI.
Open →FAQ
What is the Personal Resilience Operating System?
PROS is the improvement-focused successor to HPOS. It synthesizes every flagship index — Protection Index, FSI, HRI, Risk Radar, Resilience Forecast, and Protection Priorities — into one composite score and three dashboards designed to help you become more resilient, not just to measure where you stand.
How is the Personal Resilience Score calculated?
Weighted blend: Household Security (40%) + Future Stability 10-year average (30%) + Improvement Velocity (15%) + Household Resilience Index (15%). The composite maps to Vulnerable, Emerging, Protected, Resilient, or Elite tiers.
What is Improvement Velocity?
An estimate of how much HPOS-equivalent score you can capture in the next 12 months by completing your Top 5 priorities at current cadence — a forward-looking measure of how quickly your resilience can advance.