A Financial Alchemy Owner-Stage Diagnostic

The Same Lens I Use With
1:1 Clients — Self-Scored

The Stewardship Audit scores your wealth position across the same four dimensions I use in every Clarity Session with physicians building at the Owner stage. Ten questions. Self-scored, not session-scored. One honest read on where you actually stand.

→ Take the Stewardship Audit

Free. Takes about 5 minutes. No prep needed.

Structure first. Then stewardship. Then succession.

If you’re reading this, you’ve likely already done the hard part most physicians never do — you’ve built real assets. The question at this stage isn’t whether you’re working hard enough. It’s whether the structure underneath those assets can hold what you’ve built, and scale it without you standing over every piece of it.

  • You have income and assets most people never reach — but no formal governance around either.
  • You’ve made good decisions, but you’re not sure they add up to a coherent system.
  • You could probably answer “am I financially independent?” but not “am I structured correctly?”
  • You’re the bottleneck in decisions that a real operating system should be making for you.

The Stewardship Audit doesn’t tell you whether you’ve made it. It tells you, across four dimensions, where your structure is carrying you and where it’s still relying on you.

What the Stewardship Audit Measures

Composite score across the same four wealth-building dimensions used to produce a client’s Wealth Identity Score in a Clarity Session.

35% of score

Financial Position

Income, non-mortgage debt, and monthly deployable surplus — the raw fuel your structure has to work with.

30% of score

Asset Ownership

What you actually own outright — investment portfolio, real estate, and practice or business equity.

20% of score

Mindset & Identity

Clarity of your long-term financial vision and whether your self-concept runs ahead of or behind your numbers.

15% of score

Systems & Automation

How many income streams you have and how much of your income already arrives without your direct time.

“Every physician I’ve run this on has been strong in one dimension and exposed in another. The audit doesn’t grade you — it shows you which one is which.”

The Audit

Ten Questions. One Honest Number.

Answer as your finances actually stand today, not where you expect them to be in a year. There’s no failing score — only information.

Financial Position
1. What’s your current annual household income?



Financial Position
2. How much non-mortgage debt are you carrying?



Financial Position
3. After every expense and debt payment, how much do you have left to deploy each month?



Asset Ownership
4. What’s the current value of your investment portfolio (excluding real estate)?



Asset Ownership
5. How much real estate do you own beyond your primary residence?



Asset Ownership
6. What’s your ownership stake in your practice or business?



Mindset & Identity
7. How clear is your long-term (10-year) financial vision?



Mindset & Identity
8. Which best describes how you see yourself financially?



Systems & Automation
9. How many separate income streams do you have?


Systems & Automation
10. What share of your income arrives without your direct, ongoing time?



0/100
—

Financial Position0/35
Asset Ownership0/30
Mindset & Identity0/20
Systems & Automation0/15

Your next step

Join the Owner track

Your lowest dimension right now is —. Join the Owner track and I’ll send you a short series on what changes when you move from building wealth to stewarding it — the same lens behind this audit.



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“This is a preview, not a full diagnosis. In a Clarity Session, we go line-by-line through your real numbers and turn a score like this into a plan.”

See what the full picture looks like

The Stewardship Audit is the self-scored preview. The Physician Wealth OS intake is the real, structured version — a working session where we build the plan your score is pointing at.

Start the PWOS Intake →

A structured advisory engagement, not a course