Research Foundations
The Human Wealth™ framework is not an opinion — it is a convergent architecture built on peer-reviewed research across six academic domains. Every element, metric, and transition mapping is grounded in literature.
Traditional advisory asks: “How much do you have?” Human Wealth™ asks two questions simultaneously.
64 psychometric questions across 16 elements capture your lived experience — how you feel about your vitality, autonomy, purpose, security, and relationships. These are not opinions; they are validated scales drawn from positive psychology and subjective wellbeing research.
Two purpose-built ledgers — the Time Capital Ledger (168-hour weekly templates) and the Financial Capital Ledger (income sources and allocations) — capture the hard data. Together with structural inputs like liquidity ratios and social network metrics, these form the objective substrate.
The power is in the convergence. Neither lens alone tells the full story. A person with high financial security but low autonomy is in a different situation than someone with high autonomy but low financial security — and the framework captures both.
How cognitive biases, heuristics, and emotional patterns shape financial decisions. The ontology captures self-efficacy, optimism, and resilience as measurable inputs — not abstract concepts.
The science of human flourishing. Beyond the absence of pathology, the framework measures hedonia (satisfaction), eudaimonia (meaning), and psychological richness (complexity of experience).
The ontology is a feedback system, not a linear plan. Circular causality means wellbeing outputs become resource inputs — and systemic friction in one domain cascades through all four.
Longevity changes the game. The Third Act Index, Shadow Liability Index, and Crowded Nest Index address the specific challenges of extended lifespans — caregiving, purpose in retirement, and multi-generational financial entanglement.
Drawing on decades of SWB literature, the framework measures life satisfaction, daily affect, and the emerging construct of psychological richness — capturing all three dimensions of the good life.
Social Network as a dual-asset: Bonding Capital (reliable deep ties) and Bridging Capital (wide networks for opportunity). The ontology measures both, recognizing that relationships are a form of wealth.
At the core of the methodology is a structured assessment across all 16 elements. Each element is measured through a battery of validated Likert-scale questions (1–5), producing an average score that feeds into both the domain-level and system-level composite metrics.
The assessment is not a one-time event — it is designed for longitudinal calibration. Taken annually, it tracks systemic change over time, revealing whether interventions are producing measurable shifts in the elements that matter most.
A 16-point radar chart plotting your subjective standing across all 16 Elements, identifying systemic imbalances at a glance.
Maps your 168-hour week across a 52-week annual cycle — revealing how your most finite resource is actually allocated.
Captures income sources and distributes total income across allocation categories — surfacing where every dollar flows.
A relational inventory mapping the humans and entities in your life — revealing the depth, diversity, and gaps in your social capital.
15 minutes, 64 questions, one comprehensive picture of your Human Wealth™.