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Household Resilience · Authority Guide

The Household Resilience Index Explained

The Household Resilience Index (HRI) is a proprietary 0–100 composite of eight household domains, designed to measure recovery strength and long-term resilience — not point-in-time wealth.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

The Household Resilience Index (HRI) is a proprietary 0–100 composite of eight household domains, designed to measure recovery strength and long-term resilience — not point-in-time wealth.

  • 8 weighted factors: family, income, asset, retirement, preparedness, risk mgmt, business, financial resilience
  • Tiers: Elite (85+), Strong (70+), Moderate (50+), At-Risk (<50)
  • Recalculated after every major life event

Key takeaways

  • 8 weighted factors: family, income, asset, retirement, preparedness, risk mgmt, business, financial resilience
  • Tiers: Elite (85+), Strong (70+), Moderate (50+), At-Risk (<50)
  • Recalculated after every major life event
  • Drives the Protection Maturity assessment

Key strategies

  1. Strategy 1

    8 weighted factors: family, income, asset, retirement, preparedness, risk mgmt, business, financial resilience

  2. Strategy 2

    Tiers: Elite (85+), Strong (70+), Moderate (50+), At-Risk (<50)

  3. Strategy 3

    Recalculated after every major life event

  4. Strategy 4

    Drives the Protection Maturity assessment

Pro-tips checklist

  • Run HRI alongside FSI and PI for the full picture
  • Use the forecast to test policy and saving changes

FAQ

What HRI is considered 'good'?

85+ is Elite. 70+ is Strong and the target for most households by age 45. Below 50 is At-Risk and warrants urgent action.

How often should I run the HRI?

Quarterly until you hold Strong for a full year, then annually or after life events.