Wealth at Risk — Structure Audit · A Small Investment

A Small Investment · Wealth at Risk Structure Audit

Built.
But does the structure underneath actually hold?

Affluent households spend years building wealth and almost no pressure test for whether the structure underneath can hold. Markets are not the threat. A day that ended in Y, the one no one planned for, is.

3 minutes

10 questions

4 gap areas scored

No portfolio data needed

The premise

Built but not protected. The gap most high-net-worth families never see.

What the audit covers

The four structural gaps that do not appear on any performance report.

What you get

A risk score by gap area, plus the specific next step for each one.

From

André Small, CFP®, MBA · ASmallInvestment.com

Watch before you take the audit

Three minutes. Ten questions. A clear picture of whether the wealth you have built is actually protected.

What the audit covers

Four gap areas your advisory team
has probably not addressed together

Most comprehensive financial plans stop at the portfolio. The Wealth at Risk audit goes underneath, examining the four structural areas where well-built wealth most commonly carries exposure the owner does not know exists.

These are not investment gaps. They are structural gaps. And they are invisible on every performance statement you receive.

Protection

Your umbrella coverage, disability structure, and liability exposure, sized to your current net worth, not the one you had when the policies were originally set up.

Questions 1–3

Estate documents

Wills, trusts, powers of attorney, and beneficiary designations reviewed and confirmed against your life as that life exists today, not many years ago.

Questions 4–6

Property and titling

How properties and significant assets are titled, and whether personal-name ownership is quietly exposing your entire balance sheet to claims you cannot see coming.

Questions 7–8

Coordination

Whether your attorney, CPA, insurance provider, and financial advisor are operating as a connected team, or as four professionals who have never been in the same room.

Questions 9–10

Who this is for

This audit was built for households who have already done the hard part

The Wealth at Risk audit is not for someone who is still building. The structure underneath wealth only becomes the critical conversation once the wealth itself exists.

You have accumulated meaningful wealth: a business sale, a professional income over time, an inheritance, or a combination of all three
Your financial advisors focus primarily on investment performance; and the conversations about structure, protection, and coordination happen rarely or not at all
You have not sat down in the last three years to review your estate documents, insurance coverage, and property titling at the same time, in the same room
You are not certain whether the wealth you have built would survive a lawsuit, an unexpected death, a divorce within the next generation, or a day that simply ended in Y

“Investment returns are visible.
Risk gaps are not.
That is exactly why planning is what makes the difference.”

André Small, CFP®, MBA · A Small Investment

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Wealth at Risk · Structure Audit — Answer all 10 questions. Your score and next steps appear at the bottom.

Protection

Insurance coverage sized to your actual net worth

Questions 1–3

Question 1

Your umbrella insurance policy has been reviewed and updated within the last two years to reflect your current net worth, not the net worth you had when the policy was originally set up.

Yes

In Progress

No

Question 2

You know the exact dollar limit of your umbrella policy and have confirmed that limit accounts for all properties, business interests, and your household’s income profile.

Yes

In Progress

No

Question 3

If your household’s primary income earner became unable to work tomorrow, a disability income structure is in place, sized to your actual income need — not a generic default policy.

Yes

In Progress

No

Estate documents

Current documents that match your life as that life exists today

Questions 4–6

Question 4

Your estate plan (will, trust, powers of attorney) has been reviewed within the last three years and updated to reflect major life changes — a business sale, new property, marriage of a child, or shift in asset composition.

Yes

In Progress

No

Question 5

Every beneficiary designation across retirement accounts, life insurance policies, and transfer-on-death accounts has been pulled, reviewed, and confirmed to align with what your trust or will actually says.

Yes

In Progress

No

Question 6

The person named to make financial and medical decisions on your behalf (power of attorney, healthcare directive) is someone you have spoken with recently about your current wishes — not someone named years ago under different circumstances.

Yes

In Progress

No

Property and titling

How your assets are held — and what that exposes

Questions 7–8

Question 7

You know how each of your properties (primary home, vacation home, rental, out-of-state) is titled — and have had a deliberate conversation with your attorney or advisor about whether personal-name ownership is appropriate given your current net worth.

Yes

In Progress

No

Question 8

Any significant business interests, investment assets, or property acquired in the last three years have been titled and structured with liability protection in mind — not defaulted to personal name ownership for convenience.

Yes

In Progress

No

Coordination

Whether your professional team operates as one connected whole

Questions 9–10

Question 9

Your attorney, CPA, insurance advisor, and financial advisor have communicated with each other — directly or through a coordinating professional — within the last two years about your overall financial structure.

Yes

In Progress

No

Question 10

If something happened to the primary financial decision-maker in your household today, someone else — a spouse, a trusted advisor, or a named successor — knows where every account is, who every advisor is, and what every document says.

Yes

In Progress

No

Please answer all 10 questions before submitting.

All 10 questions required · Results appear immediately below

Wealth at Risk · Structure Audit — Your Result

Score by gap area

Your priority next steps

A team of professionals without a coordinator is not a team.

Investment returns are visible. Risk gaps are not. If your audit revealed gaps you have not yet addressed as a coordinated whole — that conversation starts here.

Book a conversation with André

Advice-only · No commissions · No portfolio management · ASmallInvestment.com