A personal finance audit for high-earning clients.

Many successful business owners and high earners are heavily concentrated in one asset: their own business or income stream. Three numbers, run inside Claude, reveal whether a client is asset rich or just cash flow rich, and where property fits the gap.

Cash flow rich is not the same as asset rich.

Many high earners spend a decade getting cash flow rich and never make the second move. The income looks great until a quiet year hits, and there's no separate asset on the other side of it. Diversifying outside a primary income source doesn't make someone less committed to it. It makes decisions less dependent on next month's revenue, which is exactly the conversation a good advisor has with a client before recommending any new property purchase.

Diversifying outside the core income source doesn't reduce commitment to it. It reduces how much of life depends on it performing.

Three numbers. One conversation.

01

Concentration

What share of net worth sits inside one asset or business. Above 70 percent means that asset is effectively the whole retirement plan.

02

Resilience

How many months of lifestyle spending liquid reserves would cover without further income. Under 6 months is fragile for anyone with variable income.

03

Runway

How many years liquid net worth would fund the current lifestyle. This is where a property allocation, used well, can move the number meaningfully.

04

Run the assessment

Paste all three numbers into Claude with context on income volatility and goals, and let it place the client, name the priority, and build a 12-month plan.

The diversification assessment prompt

Act as a wealth advisor reviewing a client's financial position. Given their concentration, resilience, and runway numbers, place them in the right band for each, tell me which is furthest from target, and build a 12-month plan to move it, including where a property allocation could help.

What it still gets wrong.

i.

This is a conversation starter, not advice

Always frame this as a prompt for the client's own financial advisor to formalise, not a substitute for one.

ii.

Inputs need to be honest

Undervaluing an illiquidity discount or underestimating spend produces a falsely comfortable number.

iii.

It's a quarterly ritual, not a one-time fix

The value compounds when a client re-runs it every quarter and watches the numbers move, not from a single audit.

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