The Prosperity Matrix™
Your money has a personality. Let’s discover yours.
Most people aren’t bad with money. They’re navigating a system that was never designed to explain itself. CHIP’s Money Archetype framework gives you clarity, confidence, and a roadmap to move forward.
5
Distinct money archetypes
3 min
To get your full profile
100%
Vetted, matched professionals
Free
No sales pitch. No pressure.
What Are Financial Money Archetypes?
Understand where you are and what you actually need
CHIP’s Money Archetype framework is more than a quiz result. It’s a system designed to help you make better financial decisions for the rest of your life.
Each persona reflects a unique financial journey, from just starting out to building generational wealth.
- A clear picture of your financial readiness
- Insights into your priorities and challenges
- Guidance on the professionals and tools you need to grow
01
Discover your money archetype
Take the 3-minute quiz. Five questions, no jargon, no sales pitch.
02
Get personalized insights
Your Insights Profile maps your readiness, priorities, and gaps.
03
Build your financial team
Connect with vetted professionals matched to your money archetype.
The Five Money Archetypes
Which persona are you?
Every financial journey is different. CHIP’s personas are designed to meet you where you are.
🧭
The Explorer
Clarity · Foundation · First Steps
Just starting out? Explorers need a trusted, judgment-free starting point.
Matched Professionals
Financial Coach · Advisor
🏗️
The Builder
Growth · Structure · Momentum
Builders are ready to turn growing income into a coordinated financial strategy.
Matched Professionals
Financial Advisor · Tax Strategist · Coach
⚙️
The Optimizer
Efficiency · Coordination · Precision
Optimizers want to align their financial systems for maximum efficiency.
Matched Professionals
CPA · Tax Strategist · Investment Advisor
🛡️
The Protector
Security · Stability · Peace of Mind
Protectors focus on safeguarding what they’ve built for their family and future.
Matched Professionals
Estate Attorney · Insurance Specialist
🏛️
The Architect
Legacy · Scale · Generational Wealth
Architects are building wealth through business ownership and long-term planning.
Matched Professionals
Advanced Tax Strategist · Estate Attorney
The Financial Seasons
Your persona is your wiring. Your season is where you are.
A Builder in a Building season needs completely different guidance than a Builder in a Recovering season. CHIP uses both coordinates, persona and season, to deliver hyper-personalized guidance without building 20 separate tracks.
“Most people are not failing because of bad decisions. They are failing because they are making good decisions, for the wrong season.”
The Prosperity Matrix TM: 20 Postures
Building
Foundation + Systems
Where all wealth begins. Returning here is recalibration, not regression.
Stabilizing
Consistency + Automation
Lock in what you've built so progress runs on autopilot.
Recovering
Healing + Recalibrating
The season that takes the most courage to name. Every season, it matters.
Persona-Matched Resources
Read what’s written for you.
Explore articles tailored to your money archetype.
Explorer
The Explorer Money Type: Traits, Strengths and Next Steps
Explorer money type: learn the strengths, blind spots, and next steps for this bold, opportunity-driven money style. Take the quiz to find yours.
Read the article →
Explorer · Video
Planning for the Unexpected: Business Continuity & Exit Strategies with Nick Walls
Nick Walls, CFP®, explains how to build a business exit strategy and continuity plan that protects your company, family and wealth if the unexpected hits.
Watch the episode →
Builder
The Builder Money Type: Traits, Strengths and Next Steps
Builder money type: learn the strengths, blind spots, and next steps for this steady, long-term money style. Take the quiz to find yours.
Read the article →
Builder · Video
Wealth Building 101 with BES
Wealth building basics from Anna N’Jie-Konte: fix your money mindset, then protect, grow and enjoy your wealth with a simple pyramid you can start today.
Watch the episode →
Optimizer
The Optimizer Money Type: Traits, Strengths and Next Steps
Optimizer money type: learn the strengths, blind spots, and next steps for this data-driven money style. Take the quiz to find yours.
Read the article →
Optimizer · Video
The Future is Female: Financial Tips for Women in a Changing Economy
Financial tips for women from a CHIP panel: a 30-day spending look back, why it’s not too late, estate planning basics and what to do before having kids.
Watch the episode →
Protector
The Protector Money Type: Traits, Strengths and Next Steps
Protector money type: learn the strengths, blind spots, and next steps for this safety-first money style. Take the quiz to find yours.
Read the article →
Protector · Video
Avoid These Costly Tax Mistakes for High Earners!
The most costly tax mistakes high earners make start with waiting until April. Luis Rosa, CFP®, EA, shares how to plan ahead and keep more of your income.
Watch the episode →
Architect
The Architect Money Type: Traits, Strengths and Next Steps
Architect money type: learn the strengths, blind spots, and next steps for this legacy-focused money style. Take the quiz to find yours.
Read the article →
Your financial life deserves clarity, not confusion.
Take the first step toward financial clarity and confidence.