The Personal Financial Wellness Scale™ (PFW Scale™) is an eight item survey, which is a reliable measurement of perceived financial distress/financial well-being. Upon completion of the entire eight item PFW Scale™ the user is provided with a score, which has been scientifically determined to be a valid and reliable measure of one’s perceived personal financial wellness.  Research has shown that employees with high levels of financial stress are significantly less productive than employees with lower financial stress.