Household crisis resilience is the household-level equivalent of institutional continuity planning — a coordinated set of preparations that lets a household respond rather than scramble when a serious event arrives. It runs across five layers (continuity, mobility, physical resilience, digital resilience, governance) and seven categories of crisis (geopolitical, natural, biological, cyber, infrastructure, personal, financial). The point is not to predict which event comes first; it is to install one protocol that answers all of them before the moment of pressure.
High-net-worth households face the same risks family offices manage — forced evacuation, natural disaster, pandemic decisions, deepfake fraud, banking disruption, principal incapacity — but without the institutional infrastructure that family offices use to act on them. Most households assemble preparations one fragment at a time: a safe here, an estate document there, a vague plan for “if something happens.” When the event arrives, the fragments do not talk to each other. We call the distance between the risks a household faces and the infrastructure it has to act the Family-Office Gap.
One protocol is built to absorb the entire spectrum — from the everyday infrastructure failure to the once-in-a-generation shock:
See the full scenario map for how each category is handled.
The same five layers respond to every category above. Continuity keeps the household functioning when systems fail. Mobility covers documents, routes, and the ability to move on short notice. Physical resilience addresses home, shelter, power, water, and supply. Digital resilience protects identity, accounts, and verification against fraud and AI-enabled attacks. Governance defines who has authority to do what, in which scenario, with which advisor — the thing family offices do that almost nobody outside them does.
Resilience is installed, not bought. Lattot delivers the protocol over a twelve-month cycle to the Founding 100 — an application-only cohort capped at one hundred households — coordinated by a curated network of senior specialists, with monthly office hours and a private peer layer. If you want to gauge where your household stands first, the free Readiness Assessment takes about six minutes and requires no email.