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.

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.

  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

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.