What 'household-level' actually means
Spousal accounts, retirement plans, taxable brokerages, trusts, HSAs, deferred compensation, legacy accounts left at prior advisors — all rolled up and weighted as one portfolio. This is the view a fiduciary needs to give honest guidance.
Why most reviews miss it
Custodians report by account. Advisors report by what they manage. Employers report by plan. Nobody is paid to assemble the household — which is exactly why the picture is usually incomplete and the risk is usually understated.
What the MRI delivers
Five preliminary indicators — concentration, overlap, diversification integrity, tax efficiency, income sustainability — computed against the consolidated household. The advisor verifies, the recommendation comes later.
Run the AI Portfolio MRI™
Receive a confidential, preliminary diagnostic across all five indicators. Advisor verification required before any recommendation.
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