The Driftwood Principles
Wealth is a system.
Principle I, and everything else here follows from it.
Because wealth is a system…
Principle II
Every decision changes the others.
A tax move changes an estate move; a withdrawal changes a bracket.
Principle III
Time is part of the system.
The hidden variable is rarely whether. It’s when. Sell, convert, gift, or move, and the order decides the outcome.
Principle IV
Coordination compounds.
Markets compound returns. Coordination compounds what you keep, and it starts the day the pieces begin to talk.
The Constitution
Financial decisions should not surprise one another.
Investments compound. Coordination determines what remains.Coordination compounds, and it compounds first.
See the thinking in practice: How Coordination Works →
The record
The review produces five documents. The Report diagnoses; the Register sustains; the Manual remembers.
Households that proceed keep all five, maintained year over year through the Annual Wealth Operating Review.