War, escalation, sanctions, forced evacuation.
From a localised conflict that turns a business trip into an evacuation, to nuclear escalation that closes airspace, to sanctions that lock out a banking relationship overnight — geopolitical events test the household's ability to move money, move people, and move information across borders, fast.
Sample events
- Armed conflict near a primary or secondary residence
- Civil unrest, protest escalation, infrastructure targeting
- Nuclear escalation — airspace closure, evacuation routing
- Sanctions regime shift — account freeze, asset access loss
- Border closure, visa cancellation, dual-citizenship dispute
Earthquake, flood, wildfire, deadly heat.
The events that test home, shelter, and the route map — and the climate-driven extremes that are accelerating year by year. A household plan that works for one type rarely works for all four without deliberate design.
Sample events
- Major earthquake near the primary residence or a child's location
- Flash flood, river-system flooding, dam or levee failure
- Wildfire approach, evacuation order, air-quality emergency
- Heat dome — deadly heat days exceeding survivable thresholds
- Hurricane, severe storm, volcanic event in residence region
Pandemic, biosecurity event, contamination.
The window between early signal and official acknowledgment is short. Households that decide quickly — on schooling, on travel, on supply, on advisor access — spend the following months running their lives. The unprepared spend them improvising.
Sample events
- Pandemic with material person-to-person transmission
- Biosecurity incident — lab release, weaponised pathogen
- Water or food contamination affecting a region
- Healthcare system overload — access loss to routine care
Deepfake fraud, ransomware, AI phishing.
The synthetic call at 2am, the message from the spouse that wasn't from the spouse, the wire instruction from the wealth manager that the wealth manager never sent. Authentication chains that worked in 2024 do not survive 2026.
Sample events
- Deepfake voice or video call requesting urgent action
- Wire-fraud impersonation of the principal or advisor
- Account takeover — email, bank, custodian, brokerage
- Ransomware on a household device or staff laptop
- Defamatory deepfake content targeting the principal or family
Blackout, water, telecom, supply collapse.
The systems that fail quietly first — power, water, supply chain, banking access. They almost never fail catastrophically; they degrade. The protocol is what tells you when degradation has crossed a household threshold.
Sample events
- Multi-day grid blackout — regional or systemic
- Water supply failure or contamination
- Telecom and internet outage — planned or attack-driven
- Supply-chain collapse affecting medicines, food, or fuel
- Banking system freeze, ATM network failure, capital controls
Incapacity, kidnapping, medical abroad.
The crises that look targeted rather than systemic. They do not make the news, but they make every other resilience layer either irrelevant or critical — depending on whether the household was prepared for them.
Sample events
- Principal incapacitation — sudden illness, accident, custody event
- Kidnap, extortion, or abduction targeting the principal or family
- Medical emergency abroad — access, transport, language, payment
- Family-member acute crisis — addiction, mental-health, legal
- Trusted advisor breach — lawyer, accountant, household staff
Bank failure, currency collapse, sanctions, capital controls.
The crises that look financial but behave like infrastructure failures — they degrade the household's ability to operate before they wipe out its balance sheet. The protocol assumes the bank can fail, the currency can drop forty percent overnight, and the account can be frozen by a regulator far away. Lattot is not an investment adviser and does not provide portfolio advice; the work here is operational resilience around the financial system, not inside it.
Sample events
- Bank failure or systemic banking crisis (regional or global)
- Currency collapse, hyperinflation, sudden devaluation above 20%
- Sanctions targeting personal accounts or country exposure
- Capital controls — cross-border payment freeze, withdrawal limits
- Stock-market crash creating a household liquidity emergency
- Insurance carrier failure during an active claim
- Sudden wealth-tax, expropriation, or retroactive tax legislation
- Real-estate market collapse in the primary-residence market
Different events. One protocol.
The Founding 100 cohort is the cohort that operates the protocol over twelve months — one household at a time, by application only.
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