The same eleven chapters, in the same order, for every household we accept. The process exists so that nothing gets skipped on a busy quarter, and so the next generation inherits a record they can actually read.
A two-hour meeting, in person where possible. Before any number is requested, we ask three questions: what is this household for, what would you regret, and who else needs to be in the room. The answers become the first chapter of the folio.
In the four weeks following the sitting, we build the balance sheet from source documents only. Custodian statements, deeds, operating agreements, last three years of tax returns. Nothing is estimated. What we cannot verify is listed as such.
Reconstructed from twelve months of household banking, not from a budget questionnaire. The shape of a year, not the noise of a month.
A concrete set of actions for the current calendar year, dollar-quantified, sequenced, and confirmed with the household's CPA in writing before any execution.
One thousand market paths. We do not represent any single number. We represent the distribution of outcomes and the conditions under which the plan fails.
A written statement of how the household's capital will be invested, what it will not be invested in, and the threshold beyond which we are required to come back and ask. Every subsequent decision is logged against it.
We read the trusts. We confirm every beneficiary on every account against the trust language. We screen for stale ex-spouse designations. The most common error in wealth transfer is a five-year-old retirement account beneficiary that nobody re-checked.
Password vault, crypto custody, domain recovery, subscription inventory. The accounts that survive the keys. Almost no firm in our category does this work; we do it because the families we serve have already inherited the problem from a parent.
Umbrella, long-term care, disability, life. We are not insurance brokers and earn no commission from any policy. Our role is to identify the risks the household cannot self-insure, and to specify the minimum policy that covers them.
A single page that reconciles every preceding chapter. Net worth. Surplus. Tax effect. Plan probability. The page we hand to the CPA, the attorney, and the next generation.
Quarterly. The folio is not a one-time deliverable. Each quarter we revisit, sign off on changes, and bind the prior quarter to the household's permanent record per SEC Rule 204-2.
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