Understand family offices — and how to build one.
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Continuity

The Family Owner's Manual

If something happened to the person who manages everything, could anyone else find the accounts, the assets, the policies, the estate documents — or even know who to call? An owner's manual is the one document that answers that.

Open the fill-in template →   Download for Word ↓

A family owner's manual is a map, not a vault: it records WHERE things live and WHO is responsible — never passwords, account numbers, or codes. Anyone holding it should be able to navigate the family's financial life; nobody stealing it should be able to open anything.

What Belongs Inside

1 · Emergency page

The first five calls: who to contact immediately, in what order, with phone numbers.

2 · Advisor roster

Every advisor and provider — attorney, CPA, wealth manager, insurance, banker — and what each one handles.

3 · Document locations

Where the wills, trusts, deeds, titles, tax returns, and policies physically and digitally live.

4 · Account inventory

Every institution and account type with how it is titled — deliberately without numbers or credentials.

5 · Entities & assets

The entity list and ownership chart, properties, vehicles, vessels, collections — and who manages each.

6 · Insurance schedule

Each policy, its carrier, its broker, what it covers, and renewal timing.

7 · Estate plan summary

Which documents exist, who the fiduciaries are, and which attorney drafted them — a pointer, not the plan itself.

8 · Digital access & continuity

Where credentials are managed (a password manager, never this document) and how emergency access is granted.

9 · First 30 days

Plain instructions for incapacity or death: what to pay, what to freeze, what can wait, who leads.

The Rules That Make It Work

No secrets on paper. The manual points to where credentials are managed — it never contains passwords, PINs, account numbers, or safe combinations. That is what makes it safe to exist.

Store it like it matters. A physical copy in a known secure place, a digital copy with controlled access, and the estate attorney told where it lives.

Review it on a schedule. Twice a year, or after any major change — a sale, a new entity, a new advisor. An out-of-date map misleads.

Tell the right people. A manual nobody knows about helps nobody. Spouse, successor, estate attorney — at minimum.

Educational template — not legal advice, and not a substitute for estate documents. Review what you record, and who may access it, with your attorney.

Keep Reading

Family Offices

What Is a Family Office?Do You Need a Family Office?Single Family Office (SFO)Multi-Family Office (MFO)Micro Family OfficeWhat a Family Office CostsWhy Family Offices Exist

Build a Family Office

How to Build a Family Office From the Ground UpStep 3: The Organizational StructureStep 4: Internal vs. Outsourced (Build vs. Buy)The First 90 Days: Turning the Lights OnStep 1: Define the Family Office's PurposeStep 2: Inventory the Family's AssetsStep 5: Hire the Core Team

Investing

How Family Offices InvestDirect InvestingAsset Allocation for Family CapitalThe Investment Policy Statement (IPS)Liquidity, Concentration, and RiskPublic Markets: Equities and Fixed IncomeReal Estate in the Family Portfolio

Operations

Family Office AccountingFamily Office TechnologyFamily Office CybersecurityConsolidated Reporting: One True Net WorthBill Pay, AP, and Financial ControlsFamily Office Software, Category by CategoryBanking, Custody, and Treasury

Governance & Estate

Family GovernanceEstate Planning and Wealth TransferHow Family Offices Manage TaxPhilanthropy and the Family OfficeThe Family ConstitutionSuccession: The Office After the FounderPreparing the Next Generation

Industry

Careers in Family OfficesHow the Family Office Industry Is ChangingFamily Offices and Regulation

Roles & Staffing

Family Office Roles & Staffing, MappedFamily Office CEO / President / Managing DirectorChief Investment Officer (CIO)Portfolio Manager / Investment DirectorAsset Manager (Real Assets)Chief Financial Officer (CFO)Controller

Comparisons

Single vs. Multi-Family OfficeFamily Office vs. Wealth ManagerFamily Office vs. RIAFamily Office vs. Private BankFamily Office vs. Financial AdvisorFamily Office vs. Hedge FundFamily Office vs. Private Equity Firm