The Driftwood Record Constitution·Capital Allocation·The Manual·Decision Register·Opportunity Register·Annual Review
Contents

The documents a household keeps.

Institutions coordinate a financial life through a common set of governing documents and operating records — a constitution, a policy, a manual, a log, a register, a review. Most households have the professionals but not the paper.

This is a household's record: not a pile of statements, but the small library that makes a financial life legible — decision by decision, year over year. Wealth is a system, not a collection of products; these are the documents that run the system. Every page here is an illustrative sample for a fictional family.

Governing documents
The supreme document · as of July 2026
The Household Constitution →
The family's governing instrument: the purpose of the wealth, who holds which decision rights, and the guardrails every decision is measured against. Everything else operates under it.
Policy of record · as of July 2026
The Capital Allocation Policy →
How the household's capital is deployed across goals, buckets, and subsystems — coordination-first, with target ranges, funding sources, and the triggers that reopen the policy.
Operating records
The permanent record · rev. 06
The Wealth Operating Manual →
The permanent, append-only operating record: the household decision ledger, the coordination register, and the change log — the institutional memory of the whole system.
The upstream record
The Decision Register →
Every structural decision on the day it was made: why, under what assumptions, what was rejected, and — the field most advisors skip — what would change our mind.
The standing register · as of July 2026
The Opportunity Register →
The single, prioritized list of every coordination opportunity the system has surfaced — owner, lead professional, dependencies, and status — the source the Annual Review and Manual draw from.
The yearly board report
The Annual Wealth Operating Review →
The board report for a household's financial life: what changed, what's ahead, what each decision assumed, and who owns the next move. The centerpiece of the year.
Sample work product
The first ninety days · TP 2026-01
A Transition Plan →
What actually happens if you hire us: what moves, what doesn't, in what order — nothing sold on day one, taxes deciding the sequence, and the household book running by week thirteen.
One decision, written · IC 2026-02
An Investment Committee Memo →
One decision in the form it is actually made: the question, the alternatives weighed, the tax budget, the guardrails — and what would reopen it. The rationale of record behind a register entry.

Illustrative and educational — not investment, tax, or legal advice. The records shown here are hypothetical samples for a fictional household, prepared to show the form of a coordinated financial life; they are not a real client's documents and do not describe any specific person's circumstances. Driftwood coordinates with your CPA and attorney; it does not provide tax or legal advice. Driftwood Wealth is a registered investment adviser; Form ADV Part 2A and Form CRS are available directly; the firm’s public record is at adviserinfo.sec.gov. Privacy Policy · Terms of Use.