Third Act Index
TAIReads your readiness for life's next chapter as two separate numbers: the financial security you have underneath you, and the purpose, identity, and engagement that would make that time worth having.
Human Wealth™ Ontology
A unified architecture of 4 domains and 16 elements that redefines wealth beyond net worth. Grounded in behavioral finance, positive psychology, cybernetics, and research on aging, longevity, and long-term wellbeing.
How the loop works
The four domains show how your life is working right now. Wellbeing reveals the lived experience you want to understand. Resources show what you can draw on. Systems show how those resources become daily action. Integration shows the physical and mental capacity that helps the whole loop improve.
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Wellbeing insights dictate how resources are mobilized and prioritized.
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Available resources become the inputs for architected life systems.
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Architected systems require behavioral adoption and psycho-physical integration.
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The integrated engine drives the lived experience of wellbeing.
The sequence often starts with what you feel in Wellbeing, then moves through Resources, Systems, and Integration. As each area changes, it feeds back into the others, so the framework stays circular rather than one-and-done.
Four Domains at a Glance
Each domain names one part of the picture: how life feels, what support you have, how your routines work, and whether you have the capacity to keep moving.
Wellbeing
The ultimate measure of your life's quality, capturing your daily emotional balance, your sense of purpose, and your overall satisfaction with where you are today.
- Meaningful Life
- Satisfying Life
- Psychological Richness
- Daily Affect
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Resources
The objective foundation of your life, including your financial security, the health of your physical environment, your community support system, and your access to knowledge.
- Capability
- Financial Security
- Environmental Quality
- Social Network
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Systems
How you actively design your life and make decisions, translating your energy and resources into daily habits, meaningful work, and deep community connections.
- Autonomy
- Goal Setting
- Community Connection
- Engagement
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Integration
Your internal capacity, encompassing your physical vitality, your mental resilience, your optimism, and the underlying confidence you have to navigate life.
- Vitality
- Self-Efficacy
- Optimism
- Resilience
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16 Elements of Human Wealth™
Each domain contains four elements. Together they form the complete picture of what it means to be truly wealthy. Tap any element to learn more.
Wellbeing
Resources
Systems
Integration
Wellbeing
Resources
Systems
Integration
Life Transitions
Eight major life events create systemic shocks — depleting some elements while activating others.
CaregivingBecoming ParentsEmpty NestersCareer ChangeDeathDivorceMarriageRetirement
The Five Indexes
Each Index is two variables, read side by side. None combines them into a single number: averaging the two would hide which of them is the problem.
Social Support Index
SSIReads how well supported you are along two dimensions: how good your relationships feel, and how many different parts of your life they reach into. Depth and breadth fail in different ways.
Change Readiness Index
CRIReads whether you could absorb a real change — a job loss, a health event, a move — without it becoming a crisis, by putting your mental flexibility next to how many months your money would actually last.
Caregiver Liability Index
CLIReads what caring for someone is costing you — in health, in money, and in freedom — alongside how well you are currently absorbing it. The hours and dollars are real whether or not you feel them yet.
Cost of Thriving Index
COTIReads how many weeks of the year you work just to cover your life as you currently live it, alongside how much that actually weighs on you. Those two often disagree, and the gap is the finding.
Diagnostic Instruments
The Wellbeing Composition turns your inputs into a readable portrait across all 16 Elements.
Wellbeing Composition
A 16-point radar chart plotting your subjective standing across all 16 Elements, revealing imbalances at a glance.
Ready to measure what matters?
The Human Wealth™ framework moves beyond net worth to capture the full picture.