Choose one issue that matters to your next decision. Identify the evidence you would need, the person responsible for obtaining it and any qualified adviser who should be involved.
Free self-review · Family Enterprise Review
What stands behind your money?
Fifteen statements across five capitals: financial, enterprise, human, reputation and decision. Answer about one clearly defined family enterprise, not every family relationship. You will see a profile of typical self-reported practice, any priority issues to clarify and one practical next step.
- 15statements
- 5capitals
- 4levels of practice
Applies to. For owners and family-enterprise participants considering roles, continuity and the decisions behind the assets. Answer about one clearly defined family enterprise, not every family relationship. It is not a judgement of any family or person, and it does not assess the adequacy of any structure, will, trust or agreement.
Your responses are processed on this device and are not submitted to us by this review. Closing or reloading the page clears them. Ordinary hosting and security logs are explained in the Privacy Notice. No account or email is needed, and nothing advances until you choose Next. General information and strategic education, not financial, investment, legal or tax advice.
Choose the response closest to what you could point to today. Not sure and Not applicable are valid responses.
The Five Capitals Assessment · review your answers
Check your answers before the summary.
ryanbabbage.com · The Five Capitals Assessment · Family Enterprise Review · Summary
Sample answers, for illustration only. These are not your answers.
The Five Capitals Assessment · summary
Five Capitals: your summary
This summary reflects the answers you selected today. It has not been independently checked. It is an educational discussion aid, not a prediction, valuation, certification or recommendation to proceed with a transaction.
Shown first · never averaged away
Priority issues
Profile by capital
Typical self-reported practice
Unscored responses
Not sure and not applicable
Answer detail
Your answers, statement by statement
Optional · if useful
Continue the thinking.
A focused conversation may help you frame the question. Explore working with Ryan. Nothing here is needed to act on your answers, and no session changes them.
Free essay
The essay behind the five capitals
The thinking behind this review, in Ryan’s words.
FreeRead the essay →
With Ryan · 90 minExecutive Decision Session
Ninety minutes on one decision, using your summary as a starting point.
A$1,650 incl. GST · US$990Book a session →
The bookMoney Has a Family Name
The five capitals, chapter by chapter, for the family conversation.
from A$21.99 incl. GST · US$12.99See the book →
Keep a copy
Print or save your summary
Your browser’s print dialogue can save a PDF of this summary, with every answer and the limitations. A saved or printed summary may contain confidential information. Store it as carefully as the business records it describes.
The full suite
The Boardroom Diagnostics
Four reviews for the questions boards ask most: durability, capital, cross-border growth and reinvention. Plus the Five Capitals Assessment for family enterprise.
Each review is a structured self-reflection based only on your own answers. It has not been statistically tested as a measurement instrument and makes no forecast. It is general information and strategic education, not financial, investment, legal or tax advice, and not a valuation, due-diligence review, compliance check or offer of capital.
A saved or printed summary may contain confidential information. Store it as carefully as the business records it describes.
Processed on this device; not submitted by this review. ryanbabbage.com
Methodology · version 1.0.0 · 3 November 2026
How this review works, and what it cannot tell you.
The response scale
- A · Not yet established We have not addressed this, or cannot point to a working arrangement.
- B · Informal or developing We have discussed it or do it informally, but it is incomplete or depends on particular people.
- C · Defined and in use We have a clear arrangement and supporting evidence, and it is being used.
- D · Used and reviewed We use the arrangement and have reviewed it against a real example, change or exception.
- E · Not sure I do not have enough information to answer.
- F · Not applicable This statement does not apply to the situation being reviewed.
Choosing C or D is not independent verification. The review does not determine whether an arrangement is lawful, adequate or commercially effective. Documents alone do not justify D. Each statement has an evidence prompt to help you consider actual practice. It is for private reflection; never upload or enter evidence here.
The five capitals
The five capitals are Ryan Babbage’s own lens on family enterprise, with particular weight on the enterprise and on how decisions are made. The broader idea that a family’s wealth is more than its money is not new, and this review does not claim it.
From answers to a profile
The levels are an editorial averaging convention: the answered statements in each dimension are averaged (A=0 to D=3), and the average is shown only as one of four descriptors. These cut-offs are not empirically calibrated thresholds, and averaging ordinal answers is a simplification, which is why your individual answers are always shown.
A dimension receives a descriptor only when at least two-thirds of its statements (both, for a two-statement dimension) have an A to D answer. Not sure and Not applicable are never counted as zero or as a favourable answer.
Dimensions are compared only when every statement has an A to D answer. If the dimensions sit close together, the summary says there is no clear separation; otherwise every dimension tied for the lowest average is listed as an area to discuss first. This is a presentation convention, not a statistically significant difference.
Some statements are priority issues because they concern authority, rights, required permissions or material obligations. An A or B answer shows “Clarify before a relevant commitment”; Not sure, Not applicable or no answer shows “Not assessed”. They appear before the profile and are never averaged away. A C or D answer does not confirm that an issue is resolved.
Limitations
Each review is a structured self-reflection based only on your own answers. It has not been statistically tested as a measurement instrument and makes no forecast. It is general information and strategic education, not financial, investment, legal or tax advice, and not a valuation, due-diligence review, compliance check or offer of capital. It is not a judgement of any family or person, and it does not assess the adequacy of any structure, will, trust or agreement.
Privacy. Your responses are processed on this device and are not submitted to us by this review. Closing or reloading the page clears them. Ordinary hosting and security logs are explained in the Privacy Notice.