The Mott Method
One coordinated plan for every part of your wealth, traditional and non-traditional.
Successful individuals and families can accumulate many financial relationships and many types of assets without ever having one coordinated plan tying them together. The Mott Method is the system that connects those pieces.
The Mott Method
A repeatable process
Five steps, revisited every year as life changes.
Measure
Inventory every asset, entity, policy, account, and obligation.
Organize
Create one dashboard and one document set the whole team can see.
Target
Fill the three buckets in order: security, growth, dreams.
Track
Coordinate attorneys, CPAs, and advisors on a set cadence.
Thrive
Fund the dream list and adjust with confidence, not guesswork.
The problem
Most people are driving blind.
Many people do not have a real understanding of where they stand financially for one of two reasons.
They don’t know
Nobody has ever put the whole picture on one page. Accounts, properties, policies, and debts live in different places.
They’re afraid to look
Being honest about spending, debt, or a shortfall can be uncomfortable, so statements remain unopened and important questions go unanswered.
You can’t plan from a place you won’t measure. Step one is an honest, judgment-free look.
Where am I?
The balance sheet
Create a clear picture of what you own, what you owe, and how your assets are invested.
- What is my net worth?
- Every asset and every liability, in one statement.
- Where are my investments?
- Brokerage accounts, retirement accounts, real estate, mineral rights, private deals, and business equity.
- How is it allocated?
- How much sits in each asset class, and whether that mix fits your goals.
Personal balance sheet
- Total assets
- Total liabilities
- Net worth
Asset allocation
- Cash
- Stocks / bonds
- Real estate
- Alternatives
- Business
Wealth Acceleration deliverable
A personal financial statement plus an assessment of current holdings and asset allocation.
Where am I?
Follow the cash flow
Net worth is a snapshot. Cash flow is the engine that changes it.
Coming in
Where does the money actually come from?
Going out
Where does it really go each month?
Optimize
What can be restructured to work harder?
Increase
Where can income and cash flow grow?
Plug the leaks
Which costs quietly drain investable income?
Tax efficiency
Is your tax plan working for you or against you?
Wealth Acceleration deliverable
A cash-flow statement from bank records and specific ways to raise investable income.
Where am I?
The risks I carry
Most plans are built for sunny days. Life doesn’t always cooperate.
The question nobody wants to ask
What happens to my family if something happens to me?
If the answer is “I’m not sure,” that is the risk.
Protection
Life insurance, disability insurance, long-term care, and property coverage. Right type, right amount?
Liquidity
Could the family cover an emergency without selling assets at the wrong time?
Debt structure
Review rates, terms, and guarantees that could turn a setback into a crisis.
Contingency plan
Determine whether wills, entities, and instructions are in place for the unforeseen.
Wealth Acceleration deliverable
A full risk-exposure review of insurance, liquidity, and debt, plus an estate-planning conversation guide.
Three buckets for every dollar
Every dollar gets a job before it gets an investment.
Security
Sleep-at-night money
- Cash reserves and liquidity
- Insurance and asset protection
- Estate and entity structure
Growth / Risk
Money that works hard
- Traditional portfolios
- Real estate and mineral rights
- Private equity and venture
- Business and opportunistic deals
Dreams
Why we do any of this
- The boat
- The land
- Travel
- Family
- Education
- Legacy
- Giving
- Causes that matter
Funded on purpose, not leftovers.
The action plan
Then we map the route
Once the current position and destination are clear, the next step is the action plan.
Savings & investment
Determine how much, where, and when.
Target allocation
Create the right mix across all three buckets.
Risk plan
Build protection for the unforeseen.
Tax plan
Keep more of what you earn.
Success & succession
Grow wealth, then pass it on well.
Every action has a priority, a next step and an owner, so the plan actually gets done.
Wealth Acceleration deliverable
A detailed one-year action plan and introductions to the right professionals.
A bunch of random dots
The Mott Method connects the dots
Every piece is real. None of them form a picture.
The Mott Method
Your coordinated plan
- Attorneys
- CPAs / Tax
- Estate planning
- Entity structuring
- Retirement accounts
- Pension
- Traditional investments
- Real estate
- Mineral rights
- Private equity
- Venture capital
- Crypto / digital assets
- Life insurance
- Long-term care
- Disability insurance
- Property & casualty
- Business succession
- Charitable giving
Same pieces. One coordinated plan, built around your life.
Free introductory meeting
Let’s find out if we’re a good fit.
Where you are, where you want to be, and whether Wealth Acceleration is the right road to get you there.
No cost. No obligation.