Human Wealth Planning

Human Wealth Planning is our tool to deeply understand who you are, evaluate what you have, and create innovative financial systems rooted in your actual needs.

Separated into three parts, Human Wealth Planning is a framework that encompasses wellbeing discovery, resource exploration, and systems creation. The cyclical nature of the framework allows for constant monitoring of your plan and flexibility to accommodate life’s inevitable changes.


Our approach to wellbeing is based on the model developed for the UK Government Office of Science. The model recognizes that wellbeing is both influenced by, and influences, multiple interconnecting components.

Simply put, 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 they are considered as having high well-being.

Our Wellbeing Questionnaire was developed to help you understand the interconnecting components of your wellbeing, identify opportunities for greater harmony and monitor variations over time.

Developed by scientists with 12 years of experience working with international bodies to create measures of wellbeing; Our unique questionnaire utilizes your subjective responses about your wellbeing to generate quantitative metrics.

From your questionnaire responses, we will create your Wellbeing Profile providing a visual summary of the interconnecting components

A Discover Wellbeing Meeting will be facilitated by your advisor to help you identify themes in your wellbeing and brainstorm possibilities.


Each of us depends upon the resources available to bring about change. We think about resources in three different categories:

Financial: Net worth, investments, insurance, debts, real estate, other assets

Social: Family, friends, professional, spiritual

Personal: Health, resilience, outlook

As time progresses, some resources may increase (income), while others may decrease (vitality).

We understand the important fact that our usable resources shift and are finite. This limited nature inherently makes us want to increase the sustainability of them, which is best done by the intentional use of each resource.

In the Explore Resources Meeting, each of the three categories are reviewed, ensuring their proper use in your financial systems


Human Wealth Planning is uniquely situated to arrive at systems that are meaningful, feasible, and sustainable. We start with your wellbeing insights to quickly uncover what is most meaningful to you.

With insights in hand, we examine your resources and use our expertise to home in on creating feasible financial systems. The systems are put through comprehensive stress tests to determine their sustainability and assigned a Wealth Index Number.

Your personal Wealth Index Number is the rate of return necessary to ensure your resources are sustainable throughout the combined lifetime of you and your significant other.

As life evolves, so must your Human Centric Wealth Plan. On an annual basis we will revisit this process, gain further insights, and adjust the systems so the rest of the year you can focus on what really matters:

living happy, fulfilling lives.

Make time for peace of mind.

With over 40 years of experience in financial planning and a commitment to the wellbeing of our clients, we know your Human Wealth Plan will provide peace of mind for the future and enjoyment in the moment.

Schedule an Appointment

Product | October 8, 2018 | WMBC