Abstract: A computerized method of generating a financial wellness score for retirement planning includes steps performed by a computing device including: receiving user information relating to demographic profile, financial health, physical health, psychosocial health, financial planning maturity and financial planning readiness of a user; categorizing the user into a career level classification based on demographic profile; identifying, based on the career level classification, one or more financial impact factors for the user; generating, based on the financial impact factors for the user and the user information relating to financial health, a future projected financial state; generating, based on the information relating to physical health and psychosocial health, a future projected health cost of the user; and calculating, based on the future projected financial state and the future projected health cost, a score indicating likelihood of achieving financial wellness in retirement.