Family Resilience Score
Five stages of family wealth resilience.
The FRS (0–100) measures how well your family's wealth would survive a shock — a death, a divorce, a market crash, or a jurisdiction change.
Exposed
0–20
Organised
21–40
Structured
41–60
Protected
61–80
Generational
81–100
Stage 1 · 0–20
Exposed
Minimal documentation, undiversified assets, no succession structure. A single event — a death, a dispute, a market shock — puts everything at risk. One person holds the picture. Nobody else has the map.
Key actions
- Create a will and power of attorney in your primary jurisdiction
- Open a joint account with a trusted family member
- List every asset you own, across every country
Stage 2 · 21–40
Organised
Basic documents exist. Assets are tracked but not structured. No formal protection layer. A family at this stage is aware — but not yet protected. The picture exists, but only in one person's head.
Key actions
- Diversify across two or more asset classes
- Add a named beneficiary to every insurance policy and pension
- Track liabilities alongside assets — the net worth picture is incomplete without both
Stage 3 · 41–60
Structured
Documents are current. Some diversification across asset classes or geographies. Succession planning started but not complete. The foundation is in place — the risk now lives in the gaps between jurisdictions.
Key actions
- Complete succession documents across all jurisdictions
- Review insurance coverage for cross-border gaps
- Ensure every family member has a current passport and the vault holds a copy
Stage 4 · 61–80
Protected
Strong documentation, diversified assets, multi-jurisdiction coverage. Family wealth is protected against most scenarios. The picture is nearly complete. What remains is refinement — stale nominations, FX exposure, succession timing.
Key actions
- Consider a family trust structure for cross-border assets
- Review DTAA treaty positions across your jurisdictions
- Add a professional trustee or succession executor
Stage 5 · 81–100
Generational
Institutional-quality wealth governance. Complete documentation. Diversified across asset classes, jurisdictions, and currencies. Succession plan active. Your wealth transfers cleanly, across any jurisdiction, to whoever you choose.
Key actions
- Annual wealth review with a cross-border advisor
- Stress-test your structure against market and succession scenarios
- Prepare the next generation — the picture should survive without you
Stage distribution based on maivis family assessments (January–May 2026, n=412). Percentages reflect FRS score distribution at time of first assessment. Individual results vary based on family structure, jurisdictions, and documentation completeness.
Find your stage.
Set up your family's picture. Your Family Resilience Score calculates from your actual assets and structure.
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