The BEAST Risk Score™

A Complimentary Wealth Risk & Readiness Assessment

The BEAST Risk Score™ is a high-level diagnostic that helps affluent families understand how well their current planning protects their wealth across 5 domains: Business structures, Estate planning, Asset protection, Succession, and Tax.

This assessment reveals what most advisors never quantify: where wealth is quietly exposed and where it is truly protected.

It answers one question only: “At a system-wide level, how exposed is this family or founder to structural failure?”

The BEAST Risk Score™ tells us where exposure may exist.

It does not tell us how that exposure shows up in your actual structures.

What the BEAST Risk Score™ Evaluates

Your score is based on the five pillars of the B.E.A.S.T. Framework:

Business Structures
Estate Architecture
Asset Protection
Succession & Governance
Tax Efficiency

Each pillar is evaluated independently, then rolled into a single, easy-to-understand score.

The Benefits You Will Recognize

Identify unseen risks before they become expensive
Understand how coordinated your planning truly is
Discover gaps between documents, entities, and advisors
Gain clarity without obligation or pressure
See how your planning compares to other affluent families

Instructions:

For each statement, score yourself from 0 to 4:

0 = Not true at all

1 = Rarely true

2 = Sometimes true

3 = Mostly true

4 = Fully true

Business Structures

1. If my operating company were sued tomorrow, I am confident—based on legal review—that my home and other real estate, IP, and personal assets would remain insulated without relying on insurance alone. *

Business Structures

2. My business entities are structured so that ownership, control, and economic benefits are intentionally separated—and I can explain how each layer protects me under stress. *

Business Structures

3. Each major asset (operating business, real estate, IP, equipment, investments) is held in its own properly maintained entity that has been reviewed within the last 24 months. *

Business Structures

4. My entity structure would still function as intended if I relocated to another state or if state tax and liability laws changed materially. *

Business Structures

5. If one entity fails, is audited, or becomes insolvent, I am confident it would not contaminate my other businesses or personal balance sheet. *

Estate Planning

6. My estate plan reflects my current net worth and business value—and still works if my wealth doubles or the estate tax exemption is cut in half. *

Estate Planning

7. My estate plan removes appreciating assets from my taxable estate in a way that has been stress-tested against IRS scrutiny. *

Estate Planning

8. My heirs would avoid probate entirely, even if I die unexpectedly, incapacitated, or owning interests across multiple entities and states. *

Estate Planning

9. I have dynasty or multigenerational trusts that protect heirs from divorce, creditors, and poor decision-making—not just inheritance taxes. *

Estate Planning

10. I am confident my estate plan would still function if tax laws, political leadership, or enforcement priorities changed significantly. *

Asset Protection

11. I have completed a written asset-protection stress test showing what I would still own after a catastrophic lawsuit or personal guarantee failure. *

Asset Protection

12. My personal assets are legally insulated from business risks in a way that has been reviewed by an attorney—not assumed or insurance-dependent. *

Asset Protection

13. I have implemented advanced asset-protection structures (such as Family Limited Partnerships/LLC or Domestic Asset Protection Trusts) in jurisdictions with strong case law, not just favorable statutes. *

Asset Protection

14. If I were personally targeted in litigation, my planning would likely force settlement on my terms rather than exposing core assets. *

Asset Protection

15. My asset-protection plan was implemented before risk arose and would not be vulnerable to fraudulent transfer claims. *

Succession Planning

16. There is a clear, legally enforceable plan for who runs the business if I die, become disabled, or choose to exit unexpectedly. *

Succession Planning

17. Voting control, economic ownership, and management authority are intentionally separated—and succession does not rely on goodwill or assumptions. *

Succession Planning

18. My spouse or heirs could execute a transition plan within 72 hours of my death without confusion, disputes, or court involvement. *

Succession Planning

19. Buy-sell agreements, key-person planning, and liquidity mechanisms are in place and coordinated—not outdated or theoretical. *

Succession Planning

20. I have begun formally educating heirs or key stakeholders on stewardship, decision-making, and the family mission—not just wealth transfer. *

Taxation

21. I have a proactive tax strategy that looks multiple years ahead—not just annual tax preparation. *

Taxation

22. I know, within a quantified range, how much unnecessary tax I am likely to pay over the next 10 years if I change nothing. *

Taxation

23. My income, entities, and compensation are structured to minimize overall tax exposure across states, businesses, and investment types. *

Taxation

24. I have evaluated or implemented pre-exit planning to reduce capital gains and estate tax exposure before a liquidity event occurs. *

Taxation

25. My tax strategy has been coordinated with my legal and asset-protection planning in the correct sequence—not implemented in isolation. *