The Complexity Calculator
Wealth complexity is not about the total — it is about the moving parts. Count yours and see how much coordination your situation actually demands.
Your complexity score
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How the Score Reads
A good advisor team and disciplined filing can carry this — most families here don't need dedicated structure yet.
Coordination gaps start appearing at this level: advisors who don't talk, scattered records, and a net-worth picture that takes real work to assemble.
This is micro-family-office territory — families at this level typically add a dedicated professional, consolidated reporting, and central document control.
The moving parts now behave like an enterprise. Families here typically run dedicated family-office infrastructure with formal controls and reporting.
Worked Example
A family with six advisors, eleven accounts, five entities, six private investments, and seven annual tax returns:
Example output
The moving parts now behave like an enterprise. Families here typically run dedicated family-office infrastructure with formal controls and reporting.
Biggest drivers: Tax returns filed each year (7) · Legal entities (5) · Advisors and providers you work with (6)
A rule-of-thumb complexity reading, not a measure of wealth and not advice — the score weighs coordination burden only.