This article covers setting up your wealth management system with a global perspective and explains how to optimize your finances using a "3-headed monster" strategy for smart international money management.

This wealth strategy builds on the Passport Bro movement and Digital Nomads, offering a new approach to financing global citizens and helping those preparing for future changes—whether abroad or at home.

We need to safeguard our wealth from those who don't support us but only seek our assets after we're gone. I don’t want unsupportive individuals, including unsupportive family members, to inherit anything from me.

The new strategy focuses on building lasting wealth through revenue and protected assets, rather than relying on traditional retirement savings, which I believe are too linear and uncertain for the future.

Let us discuss establishing the framework for our wealth operating system.

The Structure

The era when individuals inquired about annual income or speculated on arbitrary “net worth” figures has passed. By establishing a new structure, you can safeguard your assets, realize genuine personal value, and ensure appropriate protection from those who may seek to claim your gains.

This wealth structure is the standard of how people create tax havens and reduced liability risk. Let’s cover the components.

Asset Companies.  These are the revenue companies you create or invest in. This could be a partnership stake in a 60% Thai-own restaurant in Thailand, property in Dubai or Sharjah, a digital platform built on Toshikiso framework. Online courses that cost $750 to take and print out PDF certificates upon completion that don’t mean anything. These are companies making money for you.

Holding Company. This company owns the asset companies and is managed by you as a director, though not in your name. Its main role is to separate liability—if an asset company goes bankrupt, the holding company is unaffected since it functions only as owner. This structure allows, for example, furniture or auto lots to re-open under new names with the same owners after bankruptcy. Also, the trust owns holding companies that hold tangible assets such as crypto, artwork, luxury watches and yachts.

Trust. This is an arrangement where you place the holding company in the hands of a trustee. You author the trust document that outlines how funds and assets are distributed to you that the trustee has to operate against.

Trustee.  This is an entity that manages your trust and executes the instructions of your trust document. This is mostly financial institutions, and they have a division called “wealth management” that is responsible for managing trusts. Their job is to authorize the execution of instructions. For example, your instructions is to provide you with a minimum of $25,000/year up to $250,000/year and access to the Ferrari, the 50-foot yacht, and the Miami mansion to throw a party with other trust fund brats.

Beneficiary. This is you, homey. You are the beneficiary of the trust that owns the holding company that in turn owns the asset companies. You get access to the assets and get a yearly distribution of wealth from your trust.  

Creating the Money Monsters

Your goal is to create monster-zero that will build and manage your wealth. You want to make sure you have the right strategy in place and here is the approach that I’m taking.

Build Revenue Companies. I am focusing on a balanced mix of my digital platforms and planning stake ownership in small businesses in countries around the world, like cafes and membership models. These are all LLCs.

Build Asset Companies. These are companies that will hold onto high value assets and have no business with the outside world. It just holds all the properties, stocks, precious metals, bonds, and other appreciating assets. This is an LLC as well.

Establish the Holding Company. All of the revenue companies and asset companies will be owned by this holding company. The holding company is just a shell that only job is to own the other companies.

Establish the Trust and Trustee. A trust is set up at a financial institution with a management document. The trustee has a fiduciary duty to oversee the trust and ensure I receive adequate support for my lifestyle.

Monster Managing Your Money

The structure is set, but how to generate income and sustain yourself still requires effort. However, you've lowered your liability and can now focus on growing your business. My goal is to focus on three areas: cash, crypto, and assets.

Cash. Membership, subscription, and invoicing models generate cash payments from customers, which go to the holding company. Cash may also be held in an asset company as liquid assets not tied up elsewhere.

Crypto. I won’t buy cryptocurrency but will provide services exchanging utility tokens for crypto, delivering enterprise-grade or specialized data operations. The crypto will be held by an asset company, with no plans to sell—just record any losses if they occur.

Assets. These luxury items are purchased for use, not personal ownership, and belong to a holding company controlled by the parent company. The assets appear on the balance sheet solely as collateral; they are never sold.

Make Your Wealth Monster Work for You

Once you set up your wealth strategy, now you have a nice house of dragon setup. There are benefits that you will begin to realize.

First, establishing a trust before marriage can help protect assets in the event of a divorce. Individuals with significant assets are advised to create a trust prior to marrying, so that ownership of their property is clearly defined.

Second, acquiring or divesting asset-based companies enables you to expand your holding company portfolio while minimizing personal liability. Establishing entities in jurisdictions such as Ireland or the Cayman Islands may offer potential tax benefits. There are numerous strategic options available, including designating one subsidiary as a holding firm specifically for investing in smaller companies to generate revenue.

Third, it is important to recognize that you possess a range of options. While many individuals follow a linear path—receiving income, paying bills, and spending what remains—you are equipped with the motivation and flexibility to invest in assets, initiate businesses, leverage existing resources, and pursue calculated risks.

It is recommended for the Afroasiatic movement to focus on restructuring wealth away from the linear model of salary, personal credit, and debt. Stop dating, and start focusing on building a new wealth structure, then meet someone marriage-minded and was smart enough to create their own wealth structure.

We are moving toward a future in which emerging opportunities may arise in different countries. As new prospects appear internationally, it is crucial to establish a framework that enables you to pursue them without undue sacrifice or risk due to a linear income stream. Ensuring financial flexibility is essential.