Sequence of Decisions Risk™

Complex financial decisions rarely occur in isolation

A tax decision may affect liquidity.

A business decision may affect estate planning. An investment decision may affect future flexibility.

Each decision may be reasonable on its own and still create unintended consequences when combined with others—or made in the wrong order.

ERX uses the term Sequence of Decisions Risk™ to describe this exposure.

The problem is not necessarily poor advice.

A physician or family may be well-advised by capable accountants, attorneys, investment professionals, and other specialists. Yet no single specialist is typically responsible for governing how all major decisions interact across time.

That is the governance gap.

ERX Wealth Governance helps make those interactions visible, improve coordination, and bring greater discipline to the order in which consequential decisions are considered.

We do not replace the client’s existing specialists.

We help their expertise work together as one coherent decision system.

Good decisions still require governance. And sequence matters.