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True Wealth = AUM – LUM
Your Balance Sheet Is Incomplete Without Liability Management
Nearly 70% of legacy plans fail by the third generation
Not because of tax or legal documents, but because of hidden liabilities: conflict, mistrust, and unaddressed ancestral burdens. NXGEN measures assets and manages liabilities so your legacy remains coherent and durable.
Why Traditional Wealth Management Falls Short
Incomplete Measurement
Standard accounting only captures financial liabilities, missing the human factors that erode wealth across generations.
Relational Blindspots
Family dynamics, unresolved conflicts, and communication barriers remain invisible on traditional balance sheets.
Legacy Vulnerabilities
Without liability management, even the most sophisticated estate plans can collapse under the weight of hidden burdens.
The NXGEN Approach: Complete Liability Management
Liability Scan
Comprehensive assessment across personal, family, community, and planetary liabilities (LUM).
Awareness Map
Prioritized risks tied to outcomes (health, trust, governance, wealth continuity).
Action Protocol
Focused interventions (NXGEN Tech, Quantum Belief Management, Resonance protocols).
Why "AUM – LUM" Is Different From Net Worth
True Wealth = Assets Under Management – Liabilities Under Management
Traditional accounting says: Assets – Liabilities = Net Worth. That's useful on a balance sheet, but it ignores the human and cultural factors that cause legacy collapse.
Assets Under Management (AUM)
At NXGEN includes financial assets and measurable non-financial assets:
  • Financial portfolios and investments
  • Social capital and relationships
  • Reputational equity
  • Wellness capacity
Liabilities Under Management (LUM)
Expands "liabilities" beyond debts to include hidden risks:
  • Ancestral pain and unprocessed grief
  • Relational breakdowns and mistrust
  • Stress, burnout, and health burdens
  • Community, reputational, and stewardship risks
You can grow assets and still lose legacy if hidden liabilities remain unmanaged. AUM – LUM is a comprehensive wealth integrity model that measures what accounting net worth does not.
Why Liability Management
Research across family wealth shows that about 70% of wealth transfers fail by Gen 3. Only 25–30% is due to technical flaws; 60–70% is relational: breakdown of trust, silence, rivalry, and unprocessed grief.
Prevents "shirtsleeves to shirtsleeves" cycles
Makes the invisible measurable and actionable
Stabilizes decisions, governance, and stewardship
What You Get
  • Private AUM + LUM dashboard (baseline within 30 days)
  • Top 3 liability risks with plan and timeline
  • Executive summary for family governance / board
  • Follow-up session to track early wins
✓ Cost-effective ✓ Efficient ✓ Complementary to existing advisors
Lived Authority
Greg's journey — losing his wife Kate to melanoma at 41 while raising four daughters, and later caregiving for Edda through chronic pain — revealed the real costs families carry. These experiences shaped the NXGEN Liability Management protocol: not just growing assets, but clearing liabilities so families remember who they already are.

Lead Magnet: Authority White Paper
The deeper dive on why plans fail, the liability taxonomy, and the first five steps to start today.
Don't become part of the 70%.
Protect intergenerational wealth with a conscious liability plan. Keep the deck clean as you enter the Resonance Age.
Ready to protect intergenerational wealth? Book Session Guide
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