Redefining your financial world to empower your dreams, secure your legacy, and inspire a sustainable future.
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’.
questions are encouraged.
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.
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.
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.
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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
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.