An Investment Framework

The 90% Project

This model demonstrates a structured, scalable approach to democratizing dynasty trust access. By leveraging existing financial infrastructure through strategic partnerships, this framework addresses systemic wealth concentration by expanding access to proven, institutional-quality wealth management strategies.

View The Framework

Structured Trust Products

The model offers standardized trust instruments with features designed for scalability, accessibility, and long-term generational wealth creation.

Core Product Attributes

A professional, high-level overview of the product's strategic design.

                            Accessible & Efficient
                            A streamlined onboarding process with low entry minimums, enabled by a standardized partnership model that reduces administrative costs.
                        
                            Flexible Term Structures
                            A tiered structure with lock periods ranging from short-term (7+ years) for foundational goals to multi-generational (100+ years) for legacy building.

Implementation Framework

A directed-trust architecture with a clear division of labor between independent, professional partners, governed by a strict Investment Policy Statement (IPS) and monitored through formal Service Level Agreements (SLAs).

Administrative Trustee

A nonprofit, established as a Delaware Series Trust and governed under Delaware law, serves as the administrative trustee. It maintains operational separateness (distinct records, expense allocation) to preserve series liability shields.

Independent Investment Adviser

A licensed, independent Registered Investment Advisor (RIA) is legally responsible for creating the Investment Policy Statement (IPS), managing the investment strategy, and providing beneficiaries with its Form ADV and policies.

Regulated Custody

A licensed broker-dealer provides secure custody of all assets, executes trades as directed by the RIA, and ensures full regulatory compliance.

Independent Verification

The nonprofit publishes quarterly, privacy-first attestations of aggregate positions and audit reports (hashes of SOC 2 Type II / ISO 27001) to create a permanent, auditable trail with no on-chain PII.

Beneficiary Protections & Value

The framework is designed with institutional-grade protections and tangible value propositions that survive scrutiny.

                            Spendthrift & Creditor Protection
                            All trusts include robust spendthrift clauses and plain-English disclosures detailing creditor protection and tax treatment caveats by state.
                        
                            Hardship Valve & Early Exit
                            Includes provisions for a two-key committee for hardship disbursements and a clear policy for handling early-exit risk, funded by a reserve pool.
                        
                            Portability & Situs Migration
                            The framework includes language to allow for the trust's legal home (situs) to be migrated to adapt to changes in state trust law or family location.
                        
                            Automatic Glidepaths
                            The Investment Policy Statement (IPS) includes automatic asset allocation glidepaths that de-risk the portfolio as a trust nears its distribution phase.

Sustainable Economics & Fee Structure

The model's sustainability is based on a high-volume, low-cost servicing model, creating a viable framework for the underserved 90% market.

Unit Economics & Funding
                            Binding All-In Fee Cap (Max 0.50%)
                            A transparent, all-in fee cap with any broker credits or affiliated fees auto-rebated directly to beneficiary accounts.
                        

                            Viable Unit Economics
                           Targets initial AUM/series of $2-5k, low CAC (<$10) via B2B channels (credit unions, employers), and a breakeven servicing cost <$12/account/month.
                        

Oversight & Termination: An independent committee will conduct semiannual, third-party audits of fees and best execution. The nonprofit holds termination triggers for non-performance, fee creep, or negative audit findings.

Risk Management & Governance

A comprehensive risk management strategy protects the organization and its beneficiaries.

Trustee Protections

The trust documents include standard exculpation and indemnification provisions for the trustee, which do not cover gross negligence or willful misconduct.

Comprehensive Insurance

The nonprofit will maintain a robust insurance program, including Fiduciary Liability ($10M min), D&O ($5M min), and a fidelity bond per custody rules.

Dispute Resolution

A clear, multi-step process for handling beneficiary complaints and disputes will be outlined, including mediation and arbitration clauses.

Key Performance Indicators

The model's success will be measured against a public dashboard of transparent, accountable metrics.

                            Target AUM per Series
                            $2k-$5k initial, ramping to $10k+ over time.
                        
                            Customer Acquisition Cost (CAC)
                            Target less than $10 per account via B2B channels.
                        
                            Servicing Cost
                            Breakeven at less than $12 per account per month.
                        
                            Beneficiary Support SLA
                            A public commitment to a specific complaint resolution timeline and process.

Investment Framework Overview

This model demonstrates a structured approach to democratizing dynasty trust access through established financial partnerships. The framework addresses wealth concentration through expanded access to institutional wealth management strategies.

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