PROS · Progression Framework
Resilience Progression Model
A proprietary 5-stage framework — Vulnerable, Emerging Stability, Protected, Resilient, Elite — using a hybrid model that requires both composite-score thresholds and critical milestone completion.
Current Stage
Next Stage
Emerging Stability
Progression Scores
Combined stage + readiness across the 5-stage framework
60% milestone completion + 40% score progress
Blend of HPOS, FSI, PI, and HRI used to gate stages
Recommended Next Actions
Emergency fund ≥ 3 months
Reach 3 months of expenses before raising deductibles.
Life insurance below 10× income
Add term life ladder to close gap.
Protection Health is D — coordinate a multi-line policy review
Schedule a full annual protection review across life, disability, home, auto, umbrella.
The Five Stages
Hybrid model — each stage requires both a composite-score threshold and all required milestones.
Min composite: 0/100
Multiple critical exposures. Establish baseline protection.
Required milestones (2/2)
- ✓Health coverage in forceCatastrophic health bills are the #1 household risk.
- ✓Auto liability above state minimumCarry at least 100/300/100 — 250/500/100 preferred.
Optional enhancements
- ✓Emergency fund started (≥ 1 month)Begin a HYSA with one month of expenses.
Min composite: 50/100
Foundational coverage and reserves in place.
Required milestones (2/3)
- ○Emergency fund ≥ 3 monthsReach 3 months of expenses before raising deductibles.
- ✓Life insurance for dependentsAny dependent triggers a term life requirement.
- ✓Replacement-cost home or renters coverageMatch policy form to ownership.
Optional enhancements
- ✓Auto liability 250/500/100+Higher limits unlock umbrella eligibility.
Min composite: 68/100
Core protection gaps addressed. Basic retirement plan in motion.
Required milestones (1/4)
- ○Life coverage at or near recommendedCarry 10–15× income with dependents.
- ○Disability coverage in forceLong-term disability is the most under-purchased policy.
- ✓Retirement savings started (≥ 1× income)Hit 1× income by age 35 as the first benchmark.
- ○Emergency fund ≥ 6 monthsLets you absorb a claim without filing.
Optional enhancements
- ○Umbrella policy in forceAdds catastrophic liability protection.
Min composite: 80/100
Preparedness, asset protection, and retirement strategy operating together.
Required milestones (3/4)
- ○Umbrella aligned to recommendationUmbrella matches net-worth tier.
- ✓Region-relevant disaster coverageFlood, EQ, wind riders where indicated.
- ✓Retirement assets ≥ 3× income (or age-appropriate)Hit 3× income by mid-career.
- ✓Asset protection strategy documentedTitling, umbrella, replacement-cost in place.
Optional enhancements
- ✓Long-term care plan in motionInitiate LTC strategy by 55.
Min composite: 90/100
Comprehensive protection portfolio, wealth preservation, lifetime resilience.
Required milestones (0/5)
- ○Comprehensive protection portfolioEvery major policy in force at recommended limits.
- ○Wealth preservation frameworkLiquidity, titling, umbrella, diversification.
- ○Long-term resilience roadmapDecade-by-decade plan operating.
- ○Annual review cadenceMark complete after submitting the Annual Protection Review.
- ○Long-term care strategy in forceHybrid or standalone LTC in force.
FAQ
How does advancement work?
Hybrid model: a household must meet BOTH the minimum composite score AND every required milestone for a stage. Optional enhancement milestones don't gate advancement but signal best-in-class execution.
Why hybrid rather than score-only?
Pure score thresholds can let households advance while critical protection gaps remain. Pure hard-gates feel punitive. The hybrid framework is more credible, more authoritative, and better suited for Premium Reports and future memberships.
What is the Advancement Readiness Score?
60% stage milestone completion + 40% composite-score progress toward the next stage's threshold. A higher score means you're closer to advancing.
0/100