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Financial Quiz Funnel

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Delivery Status

• Branch: seo-financial-literacy-test
• Status: implemented on the feature branch; not published to production
• Published: no
• Sanity changes: none
• Outbound email, SMS, or notification behavior: none
• Primary conversion: existing Clerk free-account signup after an ungated result
• Persisted quiz data: public.quiz_sessions + public.quiz_answers (RLS deny-all, service-role writes only). See “Session persistence” below and docs/quiz-tracking.md.
• Analytics: landing, start, completion, result view, retake, and signup click (all PostHog events now include the DB session_id), plus a quiz_signup_attributed event fired from /auth/callback when a signup is linked back to a quiz session.

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Routes

Every route uses the existing public SiteTopNav and SiteFooter. The page order is deliberately conversion-first:

1. Compact breadcrumb, H1, description, and trust facts.
2. First question, without an intro gate.
3. Immediate result and outcome-specific Silvia CTA.
4. Methodology, educational SEO copy, sources, related quizzes, FAQ, and disclaimer.

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Funnel and CTA Rules

Results are ungated. The user receives the answer before the account CTA. The CTA is placed directly below the result headline and before secondary diagnostics. It changes by outcome so the transition is relevant:

• Strong result: connect real accounts and put knowledge into practice.
• Developing result: identify gaps and organize the full financial picture.
• Low result: treat the score as a signal to act and build the foundation.
• Retirement ready: stress-test the retirement plan with actual account data.
• Retirement close: find the gap preventing a clear yes.
• Retirement not ready: build a plan before leaving employment income.

The signup URL includes plan=free, quiz ID, outcome, score, and referrer. It does not include ages, balances, income, net worth, debt, or individual answers.

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Retirement Readiness Methodology

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Questions

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Calculation

The estimate uses the same general spending-gap framework documented for Silvia’s retirement calculator:

1. Project retirement savings to the target age using 3% annual growth above inflation.
2. Calculate the annual portfolio income gap as retirement spending minus expected Social Security and pension income.
3. Divide the annual gap by a 4% planning withdrawal rate to create a simple portfolio target.
4. Compare projected savings with the target.
5. Add limited readiness credit for the current savings rate, high-interest debt plan, and healthcare preparation.

This is intentionally a screening estimate. It does not model taxes, investment fees, market sequence risk, long-term care, lifespan, survivor needs, account tax treatment, or benefit-rule changes. The UI never describes the estimate as a guarantee or a recommendation to retire.

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Outcome Thresholds

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Knowledge Test Keys

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Tax Intelligence Test

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Investing IQ Test

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Debt Knowledge Quiz

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Portfolio Knowledge Test

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Financial Planning Assessment Key

The planning assessment has no objectively correct answers. Every item uses the same maturity scale: current and specific (3), partial or stale (2), informal (1), or not yet done (0).

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Design and Accessibility

• Existing public navigation and footer are reused without modification.
• New quiz surfaces use semantic theme tokens only; no new hardcoded colors.
• CTA surfaces use bg-surface-card with text-content-title and text-content-muted, avoiding the unreadable light-card/dark-theme pairing found in the first financial-literacy result CTA.
• Every question uses a fieldset and legend.
• Numeric fields have persistent labels, bounds, input modes, and inline errors.
• Choice labels and radio controls share a single touch target.
• Progress, result changes, and errors have accessible labels or live regions.
• Focus moves to the next question or result only after a user action.
• Raw personal answers are not written to the URL or PostHog events.

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Session persistence

Quiz sessions and answers are persisted to Supabase for growth reporting:

• public.quiz_sessions — one row per visit, keyed by a client-generated session_id (localStorage, per quiz). Stores the score, outcome, structured result data, and first-touch attribution captured on /api/quiz/start (utm_source/medium/campaign/term/content, gclid, fbclid, ttclid, msclkid, referrer, landing URL, user agent, hashed IP, geo).
• public.quiz_answers — one row per (session_id, question_id) with the latest answer, upserted on /api/quiz/answer so revisions overwrite rather than duplicate.
• clerk_id on quiz_sessions is filled in by /api/quiz/attribute-signup — the signup CTA appends ?quiz_session=<uuid>&quiz_id=<slug> to the sign-up href and stashes the same pair in sessionStorage; /auth/callback reads it after Clerk resolves and hits the endpoint once per new signup. Retakes generate a fresh session_id so first-take conversion is measurable.

Both tables are RLS deny-all; all writes flow through /api/quiz/* using SUPABASE_SERVICE_ROLE_KEY. The four API routes (/start, /answer, /complete, /attribute-signup) use Upstash Redis for per-IP sliding-window rate limits and fail open on Redis errors so the browser experience is never blocked. The full architecture and column-by-column rationale is in docs/quiz-tracking.md.

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Benchmark Notes

• iA Financial’s retirement readiness quiz covers finances, health, housing, and retirement lifestyle and returns advice matched to the result.
• Family Investors uses a one-question-at-a-time 10-question flow covering retirement timing, income planning, confidence, taxes, and guaranteed income.
• U.S. Department of Labor retirement worksheets begin with age, expected retirement timing, projected income, assets, and expenses.
• SSA recommends using an official earnings-linked benefit estimate rather than guessing Social Security income.

The Silvia implementation keeps the ad-friendly step-by-step interaction and outcome-specific next step, while publishing the assumptions and leaving the result ungated.

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QA Record

The final branch pass covered the complete interaction, not only route renders:

• All seven routes loaded with the shared public navigation and footer.
• Every question in each quiz was answered in a real browser through the result state.
• The retirement ready-path returned 85/100, $1.2 million projected savings, a$750,000 simple target, 160% coverage, and the retirement stress-test CTA.
• The financial-literacy low path returned 0/100, the one-line attention headline, and the prominent Start My Free Silvia Account CTA.
• Repeating the same radio-option position on consecutive questions was tested; the radio group is keyed and remains controlled so the next button unlocks.
• Light and dark result surfaces passed automated WCAG A/AA checks with zero violations in the quiz UI. The existing gradient navigation signup button is reported as contrast-incomplete because the scanner cannot resolve its gradient.
• A 390-by-844 mobile pass found no horizontal overflow on the retirement start or portfolio result surfaces, and CTA buttons remain visible and full width.
• Targeted ESLint, TypeScript, and 34 Vitest checks pass.
• The production bundle compiles and completes its lint/type phase. Full page-data collection remains blocked in this local environment by the pre-existing /api/account/delete authenticator initialization and missing service credentials.

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Silvia Skills Sync

These are new public pages and user-visible flows. Per docs/SILVIA-SKILLS-SYNC.md, a companion update to CFO-Silvia/skills/silvia-navigation-skills/SKILL.md is required before the feature is merged and deployed. The companion documentation has been prepared, but the current GitHub account cannot push to CFO-Silvia/skills, and that repository has forks disabled. A skills-repo maintainer must apply the prepared navigation update and complete the normal S3 sync before this feature is released.