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personal
human wealth™

Redefining your financial world to empower your dreams, secure your legacy, and inspire a sustainable future.

wealth is about wellbeing®

We believe the pursuit of money is motivated by a desire to live well and with meaning. However, research shows that only 10% of wellbeing is attributable to external conditions like income. Through Personal Human Wealth™ we can account for the full range of the human experience, allowing us to implement diverse financial systems supporting your highest functioning in health and fulfillment.

Material and environmental circumstances i.e. income, work situation and location.
The “intentional activities” you engage in: what you do, how you behave and how you view the events in your life.
Genetics, personality & early childhood environement.

our method

Human Wealth™ is a science-based financial planning method, tailored to discover deep insight into your passions, concerns, and significant life transitions. By exploring the key aspects of your individual experience, our Advisors work with you to design and implement personalized financial systems aimed at enhancing your overall quality of life.

Moving through the four phases of the Human Wealth™ Method each year ensures your financial systems never stop evolving alongside you and your loved ones, offering ongoing protection and support.

discover wellbeing

Human Wealth™ employs a specialized assessment to unlock valuable insights into your subjective wellbeing, enabling you and your advisor to make informed financial decisions that bring greater harmony and balance into your life. Subjective wellbeing encompasses your personal perspectives on yourself, others, and the world and informs your emotional responses to life and its events.

During the Discover Wellbeing phase, you will work collaboratively with a Human Wealth™ Advisor to identify and prioritize your passions, concerns, and transitions.

human wealth™ composition

Integrating psychology and sociology, we developed a unique report called your Wellbeing Composition. 

Using this innovative technology, we quantify your subjective perception of life into 13 Wellbeing Attributes. These key attributes – informed by cutting-edge science – target your passions, concerns, and major life transitions so that you and your advisor can systematically monitor any shifts and promptly adapt your financial systems accordingly.

Map Your Composition

explore resources

Everyone relies on their resources to make healthy transitions as they move through life’s changes. The Human Wealth™ Method broadens the definition of resources to include personal and social aspects, from your relationships to your individual characteristics and skills.

In the Explore Resources phase, we take the time to gather, analyze and walk through all your resource data with you so that we can more effectively allocate your assets to your financial systems. This approach ensures a comprehensive and strategic financial approach that aligns with your passions, concerns, and ever-evolving circumstances. 

Financial
Resources

Financial resources include:

  • Investments
  • Real Estate
  • Insurance
  • Income
  • Credit

Personal
Resources

Personal resources include:

  • Health
  • Resilience
  • Optimism
  • Knowledge
  • Skills

Social
Resources

Social resources include:

  • Family
  • Friends
  • Professional
  • Community
  • Spiritual

design systems

The Design Systems phase aligns your available resources with your 13 Wellbeing Attributes to create comprehensive financial systems focused on improving your overall quality of life. These systems include estate structure, taxation, risk management, business succession, special family needs, housing, and more.

For each system, we create a personalized plan illustrating which of your resources the systems will use to address the passions, concerns, and transitions that are most significant to you.

dynamic model of wellbeing

Our Dynamic Model of Wellbeing uses four components to describe how an individual’s external conditions act together with their personal resources to allow them to function well in their interactions with the world and therefore experience positive emotions. When people function well and experience positive emotions daily, we can think of them as ‘flourishing’.

implement plan

In the implementation phase, we actively collaborate with your other financial and legal professionals to establish a seamless forward-looking plan. We ensure the longevity of your financial systems by considering how your Human Wealth™ plan impacts your family and loved ones.

Rest assured, you will receive comprehensive support from your Human Wealth™ Advisor through every step of the process as we actualize your passions, mitigate your concerns, and move through your biggest transitions by your side.  

Start Your Plan

questions are encouraged.

How does Human Wealth™ use subjective wellbeing to build better financial systems?

By taking the time to understand what makes you feel satisfied and what you care about, we can design financial systems that actually align with your passions, concerns, and any major life changes. This helps us allocate your resources so you can do more of the stuff you love while still making sure you’re taking care of the important things.

It’s like a personalized game plan that is all about making your life better in ways that really matter to you and your loved ones.

How is this different than other financial planning services?

The Human Wealth™ Method is anchored in the latest and most advanced scientific research in social science and psychology. With strong affiliations and professional partnerships with esteemed institutions like the New Economic Foundation, the University of Connecticut, and Stonybrook University, our approach is grounded in expertise.

What truly sets Human Wealth™ apart is our unwavering dedication to your quality of life. This emphasis on your wellbeing doesn’t undermine the significance of your financial systems in maintaining and growing wealth – quite the opposite. Our commitment to your wellbeing fuels our effectiveness, ensuring your financial success aligns perfectly with a fulfilling life.

Is this right for me?

This approach is designed for anyone who wants to create a more harmonious connection between your financial strategies and the things that bring you joy. Regardless of your tax bracket, the Human Wealth™ Method is tailored to fit your individual circumstances. Our focus goes beyond just the numbers – we’re here to understand and measure what truly matters to you. 

Growing wealth often brings more financial complexity. Our approach anticipates and addresses this complexity, providing relief and support so you can spend more time enjoying life. No matter where you are on your financial path, we’re here to guide you toward a brighter and more fulfilling future.

What is the fee structure?

Our quarterly fee structure is based on our clients’ net worth and underscores the Human Wealth™ commitment to your comprehensive financial wellbeing. It ensures that your financial plan is designed to enhance your overall quality of life, incorporating a wide range of assets and considering your passions and transitions beyond just investment performance.

  1. Comprehensive Approach: Net worth considers all your financial resources, including investments, real estate, and other assets, along with liabilities. This provides a more holistic view of your financial situation compared to Assets Under Management AUM, which often only considers investments.
  2. Inclusive Perspective: Charging based on net worth reflects the broader spectrum of your financial health, aligning with the Human Wealth approach that prioritizes understanding your entire financial picture, including your passions, concerns, and transitions.
  3. Flexibility and Fairness: AUM fees may rise or fall based solely on investment performance, which could lead to clients feeling unfairly charged during market downturns. Net worth fees are generally more stable and don’t solely depend on investment performance.
  4. Accountability to Life Goals: Net worth fees tie in well with the Human Wealth™ focus on your quality of life. By considering your overall net wealth, the fee structure better reflects your life objectives, ensuring that your financial plan supports your wellbeing.
  5. Incentive Alignment: Charging based on net worth encourages advisors to consider your entire financial situation, rather than just the growth of your investments. This aligns the advisor’s incentives with your holistic financial success.
  6. Reduced Conflicts of Interest: AUM fees might inadvertently encourage advisors to recommend riskier investments to increase their fees. Net worth fees reduce this potential conflict of interest, as advisors are motivated to provide well-rounded financial advice.

Learn more about pricing

How do you keep my personal data secure?

We take your security very seriously and have a number of measures in place to protect our clients’ information.

  • Encryption: We encrypt all data in transit and at rest using industry-standard encryption methods. This means that your data is protected even if it is intercepted by a third party.
  • Data backup: All data is backed up daily to multiple geographically distributed locations. This ensures that your data is always available, even if there is a data breach or disaster.
  • Security monitoring: Our software monitors its systems for suspicious activity 24/7. This includes intrusion detection, malware scanning, and vulnerability scanning.
  • Employee training: All employees receive extensive security training. This training covers topics such as data security, privacy, and incident response.

 

In addition to these measures, our platforms are also compliant with a number of industry standards, including GDPR, SOC 2, and ISO 27001 which means they have been independently audited and found to meet the highest standards of security and privacy.

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Client Profile: A couple nearing retirement, approached us with the goal of securing their financial future and ensuring a comfortable retirement. The husband had a deep passion for flying, and their son aspired to become a pilot. However, he believed that his dream of owning a plane and flying with his son was out of reach.

Challenge: Our clients aimed to achieve financial security for their retirement while also fulfilling the husband's dream of owning a plane and sharing the experience of flying with their son. They wanted to align their financial plan with their meaningful activities and create a lasting legacy.

Solution: By delving into the Discover Wellbeing phase, we uncovered the husband's passion for aviation and his son's interest in becoming a pilot. Focusing on the attributes of Financial Security and Meaningful Activities, we developed a customized Human Wealth™ Plan. Through innovative tax planning strategies and creative thinking, we explored the feasibility of the aviation dream.

Results: Through our meticulous financial planning and utilization of the plane as a business asset, our clients were able to achieve the seemingly impossible. They purchased a plane and leased it to a flight school, allowing their son to train while generating income. This not only fulfilled their lifelong dream but also laid the foundation for a family legacy in aviation.

Making Aviation a Family Legacy

Client Profile: A recent widow, found herself in an unfamiliar financial situation after her husband's passing. Throughout their marriage, she had never taken an active role in managing their finances and was now faced with uncertainties about her financial security.

Challenge: She needed to establish financial independence and find emotional support following the loss of her husband. She also desired a way to reconnect with her scattered group of longtime friends.

Solution: Recognizing the significant life transition our client was undergoing, we took her through the Human Wealth™ Method to address her concerns. During the Discover Wellbeing phase, we identified the attributes of Financial Capability and Social Support, to focus on and build supportive systems around. During our in-person sessions, we engaged in conversations about her emotional network and her dreams.

Results: With a comprehensive Human Wealth™ Plan in place, our client gained a new perspective on her financial security and discovered an avenue to reconnect with her friends. By utilizing her resources wisely, we were able to show her how she could afford to fulfill her and her friends' dream of going to Hawaii. This not only provided her with financial peace of mind but also offered a way to strengthen her emotional bonds during a challenging time.

Building Resilience and New Connections After Loss

 

Organizational Human Wealth™ partnered with a flourishing accounting firm, propelled by organic growth yet challenged by the imperative to align its structure, team, and operations with a bold strategic vision. The firm's President, committed to proactively addressing any latent concerns and enhancing team cohesion, sought to bridge the gap between the team's exceptional satisfaction scores and some unarticulated needs. With a focus on scalability, an assessment was conducted, revealing vital insights.

Highlighted by the assessment:


Scalability Demands: The accounting firm's growth trajectory led to bottlenecks in customer onboarding, underscoring the urgency to harmonize structure and team dynamics to accommodate the influx of new customers.

Vision and Career Clarity: The team displayed a strong affinity for the company but yearned for a clearer understanding of the overarching vision, their individual contributions to that vision, and viable career progression opportunities within the organization.

Upon embracing the assessment's findings, the firm embarked on a transformational journey:


Refined Onboarding Process: Swiftly responding to identified bottlenecks, the firm optimized its customer onboarding process, enhancing efficiency and ensuring a seamless transition for new clients.

Defined Career Paths: Job roles and delineated career paths, encompassing both technical and people leadership trajectories, were meticulously crafted, empowering team members with a tangible roadmap for growth within the organization.

Future-Ready Structure: A new, adaptive organizational structure was meticulously designed to support the strategic vision, underpinning the firm's commitment to seamless operations and client satisfaction.

The collaboration with Organizational Human Wealth™ equipped the accounting firm with a strategic blueprint that transcended mere restructuring. By addressing pressing concerns, refining processes, and providing team members with a clear vision for their career progression, the firm positioned itself for sustained growth, propelled by a motivated and empowered workforce.

Scaling Success: Empowering Growth and Team Alignment

Organizational Human Wealth™ partnered with a financial services client undergoing a significant leadership transition, with a new acting President at the helm. Concurrently, the company was launching new products and services. In response to these transformative changes, an intensive evaluation of the business's strategy, key metrics, systems, and organizational structure was essential.

Within a mere 8-week period following the assessment, we achieved the following impactful outcomes:

Reimagined Organizational Structure and Ownership: We redefined the organizational framework and established clear reporting lines, ensuring a streamlined and effective hierarchy. Every employee's role was documented, aligning them with the new strategic direction and granting them ownership of crucial domains.

Enhanced Client and Employee Experiences: By implementing the Net Promoter Score (NPS) and Employee Net Promoter Score (eNPS), we introduced an ongoing mechanism to gauge, track, and compare client and employee satisfaction over time. This data-driven approach empowered the client to make timely improvements to elevate both customer and employee experiences.

Strategic Data Visibility: We developed a comprehensive dashboard that showcased key performance metrics, providing real-time insights into critical aspects such as revenue, growth, client satisfaction, and employee contentment. This tool allowed the client to monitor and address vital areas of concern promptly.

Revitalized Team Collaboration: Our restructuring efforts extended to team meetings, which were revamped to foster increased efficiency and ownership of departments. By mitigating risks and encouraging cross-department collaboration, these meetings became a pivotal hub for informed decision-making and strategic alignment.

Cultivated Aligned Core Values: Collaborating closely with employees, we co-created a set of core values that resonated with their individual aspirations and collective operating principles. These values unified the workforce's approach to internal operations, client interactions, and mutual cooperation.

In this case study, Organizational Human Wealth™ demonstrated its capacity to navigate complex challenges, enabling swift and strategic transformations that optimize structure, enhance experiences, and foster a culture of shared purpose. By tailoring solutions to the unique needs of our client, we laid the foundation for enduring growth, resilience, and success in an ever-evolving industry.

Embracing Change: Turning Transitions into Pathways for Success