THE FRAMEWORK
We diagnose before we prescribe. Every time.
Wealth Defense 360™ is the doctrine this firm runs on — four pillars, twenty factors, one defense tier. It's how we see a family's financial life as a system instead of a pile of accounts, and it's the first thing that happens to every balance sheet that walks in the door. Including yours, free, in about three minutes.
The four pillars.
Wealth rarely fails where you're watching. It fails at the seams — between the business and the estate, between the return and the tax bill. Each pillar interrogates one seam.
Asset Protection
If something comes for your wealth, what can it actually reach?
Liability rarely knocks first. This pillar examines the walls between what you own and what can be claimed — how assets are titled, how entities separate business risk from family wealth, and whether a single lawsuit, claim, or fraudulent wire has a clear path to everything.
Fortified looks like: structures that make you a hard target — tested before they're needed, not after.
Tax Exposure
Are you managing taxes, or just recording them?
For most successful families, tax is the single largest lifetime expense — and the least managed. This pillar examines whether entity elections, income timing, and exit posture are working a forward plan, or whether every April is simply an accounting of what already left.
Fortified looks like: tax as a managed line item with a multi-year plan — especially ahead of a sale.
Concentration Risk
What happens when your biggest assets have a bad year together?
The business made you wealthy, and the business is the risk. This pillar measures how much of your net worth moves as one position — company, industry, local real estate — and whether there's liquidity standing by for the moment everything correlates at once.
Fortified looks like: concentration held on purpose, with a defined de-risking path and cash that answers when called.
Estate Continuity
Could your wealth run 90 days without you?
Continuity is not a binder of documents — it's whether the system works when you're not in it. This pillar examines whether documents are current, buy-sell agreements are funded, beneficiaries match intentions, and your family actually knows what to do on the worst day.
Fortified looks like: a transition that runs without heroics, because it was rehearsed before it was real.
One score. Four tiers.
The twenty factors roll up to a composite readiness score out of 100, which places you on the defense spectrum. Most successful families land in the middle two — and are surprised.
Gaps are open and reachable. A lawsuit, a tax event, or a death lands directly on the balance sheet, and the damage is set by luck rather than design.
Defenses exist, but they were built at different times by different people and have never been pressure-tested as one system. The seams are the risk.
The major walls are up and mostly coordinated. What remains is maintenance, sequencing, and keeping the structure current as life changes.
Defense runs as a system — monitored, current, rehearsed. This is the rare tier, and the one the entire framework is designed to move families toward.
Your tier isn't a grade — it's a starting position. The scan's job is to make it visible; the brief's job is to give you the fix order.
How the scan works.
No documents, no account numbers, no meeting required. Twelve questions and an honest read.
Run the core scan
Twelve questions across the four pillars, about three minutes. Your tier and pillar readout render on the spot — confidential, educational, no obligation.
Start at my360d.comRead your defense brief
A written brief lands in your inbox: what your tier means, where the blind spots are, and the order to fix things in — severity first, not products first.
Sit the Wealth Defense Review
If you want the gaps closed, the review is a direct working session with a fiduciary — your results on the table, the fix order mapped, nothing to sell you.
Book a reviewThe optional Deep Scan: eight more questions score the remaining factors — titling, wire fraud, estate tax, buy-sell funding, beneficiary alignment — and sharpen your tier from 12 of 20 factors to all 20. About two more minutes, offered after your core results.
The scan finds the gaps. The review closes them. The audit rebuilds the wall.
For families whose scan surfaces structural problems — entity, tax, estate, and portfolio issues tangled together — the Fault Line Audit is the full forensic engagement: $15,000 flat, ranked findings, and what fixing each one is worth. Family Office Design sits above it, by invitation.
See what the Fault Line Audit coversStraight answers.
What do the four tiers mean?
What's the difference between the core scan and the Deep Scan?
What happens after I run the scan?
Is it really free? What's the catch?
Three minutes. Twenty factors. Zero excuses.
You defend a business every day. Find out if anyone's defending the wealth it built.