Free · nothing collected
Financial Trauma Response Assessment
The Financial Trauma Response Assessment is a free ten-question self-assessment that identifies which of four responses — freeze, spend, avoid or over-control — is shaping your financial decisions. It takes about three minutes, collects nothing, and returns what your pattern costs you and one next step.
10 situations · about three minutes
Ten situations. Pick the response closest to yours — or skip any that do not fit. It takes about three minutes, and it asks nothing about what happened to you.
- Nothing is collected. No email, no name, no storage — the scoring happens in your browser and disappears when you close the tab.
- There are no right answers and no score to fail. The output is a pattern, not a grade.
- It is not a diagnosis, not therapy, and not financial advice about your situation.
Financial trauma is not a clinical diagnosis, and this is not a clinical instrument. It describes patterns that show up in financial behavior after a distressing event, so that a plan can account for them instead of assuming them away. It is not therapy, not medical advice, and not individualized financial advice about your circumstances.
How it works
Ten situations, four responses, no black box
Every question presents a situation and offers four ways of meeting it. Each option belongs to one of the four responses, and every question offers all four, so the instrument is balanced by construction rather than by weighting. The options appear in a different order on every question, and nothing on screen tells you which option belongs to which response until the result.
Your result is whichever response you chose most often. If two are tied, or separated by a single answer, both are shown — overstating a one-answer margin would be the easiest way to make this untrustworthy. If three or more tie, it says so instead of picking one. And the full count for all four is shown either way.
Skipping is a real answer, and skipped questions are not scored against you. If fewer than four questions are answered, the assessment declines to return a result rather than inventing one from too little.
The four responses are written up at length, with what planning does about each, on the financial trauma guide.
Freeze
The decision keeps getting deferred.
Spend
Something hurts, so something gets bought.
Avoid
Money is the one subject nobody raises.
Over-control
No amount saved is ever enough.
About this assessment
What it does and does not do
It identifies which of four responses — freeze, spend, avoid or over-control — most shapes how you handle money under pressure. It measures a pattern, not a level of wealth or a degree of dysfunction, and there is no score to pass or fail.
No. There is no email gate, no sign-up and no storage. The scoring happens entirely in your browser and the result disappears when you close the tab. Nothing is sent to Harvest Wealth Financial or to anyone else.
No. Financial trauma is not a clinical diagnosis and this is not a clinical instrument. It is a structured way of naming a behavioral pattern so that a financial plan can account for it, rather than quietly assuming it away.
About three minutes. There are ten situations, each with four options, and every question can be skipped if none of the options match your life.
Nothing automatic — no follow-up email, because nothing was collected. The result gives you what the pattern costs you and one concrete next step. If you want to go further, the first conversation with Dr. Nicole is free and lasts an hour.