The Annual Wealth Operating Review

Once a year, we review the whole system.

Every institution runs on a cadence. Medicine has the annual physical. A company has its board meeting. A family office has its investment committee. Driftwood has the Wealth Operating Review, and its job isn't a performance update. It's to make sure every decision ahead is a better decision.

How the relationship runs

Coordination isn't an event; it's a rhythm. A designed one, so nothing waits for a crisis to get attention.

First 60 days
Onboarding

The balance sheet, the professionals, the goals, and the Coordination Index, assembled into your first operating map and architecture memo.

Every quarter
Operating Review

New decisions, an updated map, and the hand-offs to your CPA and attorney as things change through the year.

Every year
Wealth Operating Review

One deliberate pass across the entire system, below. The centerpiece of the year.

What we review, every year

Six lenses on one financial life. The point isn't to check boxes. It's to surface the interactions and the decisions coming, before they arrive.

Wealth
  • Investment allocation
  • Asset location
  • Concentrated positions
  • Cash reserves
Tax
  • Bracket management
  • Capital-gains budget
  • Roth strategy
  • Estimated payments
  • Carryforwards
Estate
  • Beneficiaries
  • Trust funding
  • Entity ownership
  • Insurance ownership
  • Exemption exposure
Liquidity
  • Upcoming purchases
  • Business distributions
  • Credit facilities
  • Emergency reserve
  • Withdrawal sequencing
Family
  • Aging parents
  • Children
  • Education
  • Inheritance
  • Decision-makers
Opportunities
  • What's changed this year?
  • What conversations need to happen?
  • What decisions are coming?
See the Opportunity Register →
Why it's the product, not a formality

Ask most advisors "should we buy the lake house?" and the answer is "yes" or "let's see if it fits the plan." The Review is what lets the answer be a real one.

"Let's look at the liquidity, the taxes, the leverage, the opportunity cost, the estate implications, the insurance, and the business cash flow, then decide." The product is better decisions. Everything else is the infrastructure that makes them possible.

We don't just manage wealth. We improve how a family makes decisions together.
See the review, in full.
It's the centerpiece of the relationship. Here's a complete, illustrative sample, and a two-minute way to start your own map.
Illustrative and educational — not investment, tax, or legal advice. The review framework shown is illustrative of Driftwood's process; the specifics of any engagement depend on your own facts and on current law, and the strategies referenced require individualized tax and legal advice. Driftwood coordinates with your CPA and attorney and 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.