HOW IT WORKS
A score that measures your picture, not your wealth.
Two families with the same net worth can have completely different scores. Here is why.
Completeness. Organisation. Complexity.
The Wealth Resilience Index runs from zero to 1000. It does not measure the size of your wealth. It measures how well your family's financial picture is built: how many countries your assets span, how many asset classes are represented, how organised your banking and documentation infrastructure is, how many family members are in the picture, and how clearly your goals are defined.
A family with $500,000 across three well-documented countries, all members accounted for, scores higher than a family with $5 million in a single account with no documentation. This is deliberate. The score rewards readiness. A sudden liquidity need, a succession event, a tax enquiry, a family governance conversation.
The score is not a credit score. It is not a risk rating. It does not represent financial strength. It represents how clearly your family can see itself.
Five factors. Five dimensions of readiness.
Cross-Border Reach
25% of your scoreWhat it measures
The number of countries where your family holds assets or banking relationships.
Why it matters
Cross-border families face currency risk, regulatory changes, and compliance obligations that single-jurisdiction families do not. A family with assets across three countries has a more complex picture than one with assets in one, and a higher ceiling on this factor.
Needs attention
Your family's assets are concentrated in one jurisdiction, which limits the visibility the score can provide.
Wealth Breadth
20% of your scoreWhat it measures
The range of asset classes your family holds: property, equities, gold, cash, pensions, business interests, and others.
Why it matters
Asset concentration is the most common source of invisible risk for cross-border families. A family with 80% in property cannot see what happens to their picture when property underperforms.
Needs attention
Your family holds wealth primarily in one asset class.
Organisation
15% of your scoreWhat it measures
The number of distinct banking relationships and financial accounts your family maintains across all countries.
Why it matters
Families with accounts across three or more institutions almost never have a single view of their total liquidity. Organisation measures how structurally complex your banking infrastructure is.
Needs attention
Your family's banking is either entirely centralised or entirely informal.
Family Visibility
15% of your scoreWhat it measures
How many family members are included in the maivis picture, and whether their assets are visible.
Why it matters
For most cross-border families, one person holds the complete financial picture. If that person is unavailable, the rest of the family cannot access basic information. Family Visibility measures whether the picture is a private burden or a shared resource.
Needs attention
Only one family member's assets are in the picture.
Goal Alignment
25% of your scoreWhat it measures
How clearly your family's primary financial goal maps to a coherent stage and decision-making style.
Why it matters
A family that knows what wealth is for makes better decisions under pressure than one that has never articulated it. Goal Alignment is the most behavioral factor in the score.
Needs attention
Goal is undefined or contradicts the asset structure.
The stage is not a label. It is a mirror.
Score range determines the WRI stage: Generational for scores above 800, Protected for 601–800, Structured for 401–600, Organised for 201–400, and Exposed for 0–200. Each stage describes the completeness and resilience of the family's financial picture, not the size of their wealth.
The stage tells your family what has been built and what is still missing. A family at Structured has the foundation in place. A family at Protected has documentation and cross-border visibility. Generational means the picture survives without the person who built it.
The score is not a quiz. It is a live number.
Every action that completes the picture moves the score. Adding assets from a second jurisdiction increases Cross-Border Reach. Adding a family member increases Family Visibility. Uploading a document to the Vault increases Organisation. Connecting a bank account shifts a factor from declared to verified. A more accurate and higher-weighted signal. The score does not reset. It accumulates. Families who return monthly consistently see their score move.
Important: what this score does not represent
The Wealth Resilience Index is not a credit score, a risk rating, a financial recommendation, an investment score, or a measure of financial competence. It is not regulated by the DFSA, SEBI, FCA, SEC, FINRA, or any other financial authority. maivis is a financial data aggregation and intelligence platform. The score is information. What your family does with that information is entirely your decision.