Fifteen dimensions. One institutional-grade diagnostic. Type or speak your answers — we auto-score and match you to the private-bank categories where you're already competitive.
Everything you own, minus everything you owe. Aggregate estimate — we're looking for the band, not the decimal.
Liquid or near-liquid capital that can be moved into a private-bank managed account: brokerage, retirement, hedge/PE positions, and cash. Excludes your operating business and primary home.
Private banks care deeply about how much capital can be moved in the next 30–90 days without penalty or forced sale.
Ownership stakes in operating companies. Private banks assess the concentration risk and the liquidity path (recap, M&A, IPO).
Primary residence, secondary/vacation properties, and investment properties. Private banks look for equity available for cross-collateralization or margin lines.
Who holds your money today, and how well are they serving you? Private banks want to know what you'll be moving — and why.
Mortgages, lines of credit, business loans, SBLOCs, margin. Private banks assume debt — they want to model it correctly.
Where's the risk stacked? Private banks worry about single-asset concentration — one business, one property, one stock position at >40% of net worth.
How does money flow through your accounts monthly? Private banks scale service to transaction complexity, not just balance.
What lending do you need in the next 12–24 months? Private banks compete hardest on credit access — SBLOCs, jumbo mortgages, art/aircraft/yacht financing.
Trusts, LLCs, holding companies. Every private bank asks for this within the first meeting — showing up organized is a competitive advantage.
Donor-advised funds, family foundations, direct giving programs. Private banks compete hard to house philanthropic capital — it's sticky and prestige-carrying.
Foreign real estate, offshore accounts, dual citizenship, cross-border business income. Determines whether you need a domestic PB or a global one.
Blended families, dependents with special needs, multi-generational planning, pre-nups, family-business succession. Private banks staff family-office desks for exactly these dynamics.
Who's already on your bench? Private banks want to coordinate — not replace — your CPA, attorney, and advisors.
Your Private Banking Readiness Score is being calculated across all 15 dimensions of your profile.