The Family-Office Gap is the distance between the risks a household faces and the institutional infrastructure it has to act on them. Households with significant earned income face the same set of risks family offices manage — war and forced evacuation, earthquakes and floods, pandemic decisions, deepfake fraud, blackouts and supply collapse, principal incapacity — but with essentially none of the continuity planning, governance, and coordinated specialists that a fully staffed family office uses to respond. Lattot exists to close that gap.
A fully staffed family office is expensive — typically justified only at the very top of the wealth curve. Below that line sits a large population of households with real exposure and real means, but no institution coordinating their preparedness. They buy point solutions — an alarm system, an estate plan, travel insurance — that never connect into a single protocol. The result is a household that looks prepared on paper and scrambles in practice.
In May 2026, J.P. Morgan Private Bank surveyed 333 family offices across 30 countries. Their most-quoted finding was not about returns or asset allocation — it was about behavior: the delta between what households say matters and what they actually complete. The same delta is far larger one tier down, where there is no institution to close it. Lattot organizes the response, synthesizing five authoritative public reports rather than inventing the thesis.
Lattot installs the protocol a family office would run, scaled to a single household: five layers — continuity, mobility, physical resilience, digital resilience, governance — across seven categories of crisis, over a twelve-month cycle, coordinated by senior specialists. For the full picture, read the complete guide to household resilience, or see how this differs from a family office and from prepping.