Is your wealth one coordinated system? Or are you the one holding it together?
A 16-question diagnostic for founders and families with $5M+ in investable assets. Built to tell you, honestly, where your highest-leverage next move sits.
One point per Yes. Sixteen points possible.
The goal is not the number. The goal is finding the highest-leverage next move.
0-6
Fragmented
Pieces exist but do not work together. Highest leverage is structural.
7-12
Functional
The system works, but it is held together by your attention. Coordination is the unlock.
13-16
Coordinated
Family office posture. The work shifts from building to stewarding.
What we measure.
Coordination
Accounts, entities, and advisors aligned. Decisions get made together, not in silos.
Tax Architecture
Planning integrated with timing and structure. Not a year-end scramble.
Risk & Protection
Coverage, documents, and exposure aligned to the actual plan, not the boilerplate.
Legacy & Continuity
Your family can run the system if something happens to you. Today.
How to take it.
This is a diagnostic, not a verdict. The goal is clarity, and a better next move.
- Answer honestly. There are no trick questions.
- Three to five minutes is enough.
- Skip nothing. Each question is its own diagnostic signal.
- Your score lives only in your browser. No email required.
0 of 16 answered
Coordination
Accounts, entities, and advisors aligned.
This section tests whether the moving parts of your financial life work as one system, or only because you are manually holding them together.
We have a current, consolidated view of our household balance sheet, entities, major accounts, and key advisors.
You can see the whole picture without stitching it together manually.
Our CPA, estate attorney, insurance professionals, and investment team are working from the same overall plan.
Important decisions are coordinated instead of made in silos.
Major financial decisions follow a defined process rather than being handled ad hoc.
There is a clear rhythm for review, decision-making, and follow-through.
Business, personal, and family decisions are documented and delegated clearly enough that the system does not depend on one person.
Complexity does not collapse back onto the founder or family leader.
Tax Architecture
Proactive planning integrated with investments and entity timing.
This section looks at whether taxes are being designed around ahead of time, or simply reacted to after the fact.
We review taxes proactively during the year, not only at filing time.
Planning windows are identified before they close.
Investment strategy, entity structure, compensation or distribution timing, and liquidity planning are coordinated for after-tax outcomes.
The plan is designed around what you keep, not just what you earn.
We have identified our major future tax events before they become urgent.
This includes business sale timing, concentrated positions, trust transitions, large gains, or other one-time events.
We know which planning moves are worth doing now, later, or not at all.
Priority and sequencing are clear; complexity is not mistaken for sophistication.
Risk & Protection
Liability, insurance, estate structure, and documentation alignment.
This section checks whether risk is being managed intentionally across the balance sheet, the legal structure, and the family.
Liability coverage, umbrella coverage, key-person, disability, life insurance, annuities, and asset-protection structures have been reviewed for fit, not just inherited from the past.
Protection matches today's wealth, responsibilities, and exposures.
Estate documents, beneficiaries, account titling, and trust ownership are aligned.
The paperwork says what the plan says.
Concentrated risks are identified, measured, and intentionally managed.
This includes business concentration, real estate exposure, private deals, lending, and public stock positions.
Our family could locate the critical documents, contacts, and instructions they would need within days, not months.
Important information is organized before it becomes urgent.
Legacy & Continuity
Your spouse or heirs can run the system; intent is clear.
This section focuses on continuity: whether the people and principles behind the wealth are as clear as the assets themselves.
My spouse or heirs could understand how the system works without relying entirely on me.
Continuity does not depend on one person's memory or availability.
We have discussed decision-making roles, values, and priorities across generations, not just asset amounts.
The family has shared language around wealth, responsibility, and stewardship.
We have a plan for how wealth should support lifestyle, philanthropy, family, and opportunity over time.
The money has a job beyond accumulation.
The next major transition has been thought through in advance.
This could include a sale, retirement, inheritance, incapacity, death, relocation, or a major liquidity event.
For informational purposes only. This diagnostic is not individualized investment, legal, or tax advice. Advisory services are offered through Whitwell & Co., an SEC-registered investment adviser.