Wealth Management Principles
Philosophy, allocation, location, withdrawal, risk, tax-awareness, estate-freeze, insurance, charitable-vehicle, fees-and-implementation, client-segmentation, and advisor-workflow principles for a US-centric HNW/UHNW RIA practice. All 16 sections at 100% canonical coverage.
Map of content
Coverage by section.
Recent activity
Most recent waves, batches, and calibration passes.
- 2026-04-21Wave 12 published — vault complete (140/140)
22 notes closing §04 Asset Allocation (10/10), §09 Tax Awareness (14/14), §10 Estate Overview (19/19), and §12 Alternatives (9/9). Four HIGH confidence. All 16 sections now at 100% canonical coverage. v0.9.16 tagged.
- 2026-04-21Wave 11 published
§01 Planning Philosophy and §03 Investment Philosophy closed to 100%. Seven HP notes. Vault 111 → 118.
- 2026-04-21Wave 9 secondary batch published
Six medium-confidence notes closing §14 and §15 to 100%. §14: profile-retiree + profile-widow-widower-inherited + which-vaults-for-which-client. §15: team-handoff-protocols + update-cadence-by-topic + vault-maintenance-cadence-for-advisors.
Open debates
Questions this vault deliberately does not take a firm side on.
- Do factor premia persist post-publication? — evidence mixed; vault flags explicitly.
- Will basis step-up rules persist? — durability is a judgment call for 10-30-yr planning.
- How much international equity for US HNW clients? — no firm percentage.