What Is a Net Worth Statement?

A net worth statement is a consolidated statement of financial position for a person, family, or holding group. It lists total assets and total liabilities, then calculates total net worth. For UHNW wealth management, this statement of net worth template supports banking, lending, insurance, and diligence by providing a single, accurate snapshot that is supported by dated sources, a valuation basis, and documented assumptions.

This is an informational, point-in-time view. It is not a tax or legal document. Where any conflict arises, your legal and tax documents prevail.

Who This Template Is For

Single family offices, multi family offices, principals, and trustees who need a clean, shareable record. It also serves as a business net worth statement template for holding companies and SPVs. Designed to be completed as personal, joint, and entity-by-entity schedules, so you can present a personal net worth statement for a single principal or a combined personal financial statement for a couple or family unit.

What You’ll Get (And How It’s Structured)

A single document designed for print or on-screen completion.

Inside the document:

• Cover: family or principal name, version, effective date, next review date, base currency, disclaimer
• Entities Register: trusts, SPVs, holding companies
• Ownership Look-Through: owner → entity → asset percent
• Assets: category, legal owner entity, beneficial owner, ownership %, description/identifier, custodian/manager, currency, value (basis specified), cost/tax basis (optional), valuation date/as-of, liquidity/lock-ups, encumbrances/pledges, source/evidence reference, notes.
• Liabilities: lender, borrower entity, facility type, committed limit, outstanding, currency, rate (type + index + spread), maturity, amortisation, recourse/guarantees, collateral/pledge details, covenants/key terms, source/evidence reference
• FX Page (optional): base currency, rates, timestamp/as-of date aligned to valuation date, source (provider), and consistency rule (single rate set per as-of)
• Summary: totals for assets, liabilities, and net worth; by owner, entity, and asset class
• Movement Bridge (period-over-period): Start → Contributions/Distributions (incl. gifts) → Capital Calls/Distributions → Debt Draws/Repayments → Taxes/Fees → Valuation Change (market/private marks) → FX Impact → Other (reclasses, entity changes) → End
• Sign-off & Change Log: names, roles, dates, version trail

The design uses clean tables that print well on A4 or US Letter. Banks like this printable personal net worth statement template because it reads like a personal balance sheet and includes a clear list of liabilities.

How to Complete Yours (Step-by-Step)

Use this checklist to build a clean, defensible snapshot of your holdings. Work from current statements and governing documents so owners, entities, and values tie out.

1. Add entities and owners to the Entities Register and Look-Through pages to ensure the equity picture is clear.
2. List assets by category: operating accounts, custody cash, and treasury cash, public marketable securities (custody accounts), PE or VC, real estate and properties, art, and other personal property. Record the valuation date, currency, and source.
3. List liabilities: mortgages/PAL facilities, secured lines, notes payable, tax liabilities, and contingent obligations (guarantees, lines of credit, and facilities. Include rate, maturity, collateral, and any lease obligations for office leases and other contractual commitments (where relevant to diligence).
4. Set your base currency and complete the FX page if you hold non-home-currency assets or debt.
5. Review the Summary. Check family total, plus slices by owner, entity, and asset class. Print or save.

Tips: use standard financial labels, attach valuation notes or appraisals, and set a monthly reminder to keep data current. If you work with spreadsheets, keep it as a working file and copy values into the document for a clean presentation.

What “Good” Looks Like in a Family Office Context

Use this as a quick quality test. In a family office context, good means a clear, reconciled, and governed record that covers ownership and look-through, valuation and FX, liabilities and collateral, version control, confidentiality and sign off, an evidence index, and recourse treatment.

• The ownership map and look-through are easy to follow.
• Valuation policy is stated, including whether values reflect public marks or an appraisal date.
• FX conversions show a date and source.
• Liabilities are tied to collateral, with totals that reconcile.
• Versions are tracked, and a movement bridge explains changes in net worth month over month.
• Confidentiality is defined by access rules and data handling protocols.
• Sign-off roles are clear, with who prepares, reviews, and approves.
• An evidence index links each figure to its source document.
• Recourse and claims treatment are documented for guarantees, pledges, and cross-collateral arrangements.

Template Pages & Key Fields (Field Guide)

• Entities: name, type, jurisdiction, ownership percent, notes
• Ownership Map: owner or family → entity percent → asset percent
• Assets: category, entity, description, currency, book or market value, valuation date, source, or notes
• Liabilities: lender, facility, entity, currency, outstanding amount, rate, maturity, collateral, or key terms
• FX: currency, rate vs base, date, source
• Summary: totals and a net worth summary by owner, entity, and asset class, ready to print
• Bridge: Start, Net Flows, Valuation, FX, Other, End
• Sign-off & Change Log: names, roles, dates; v1.0 → v1.1 trail

Where Asora Fits

In Asora, you do not need a template. The net worth dashboard pulls balances, ownership, and source documents automatically. Your statement lives in Documents and stays linked to the right entities, trusts, and supporting files, so anyone who needs context can find it with a click. The ownership picture remains consistent in the Wealth Map, which means principals and trustees are always looking at the same structure.

Because reporting is centralised, bank and custodian balances are included alongside private assets and FX, with timely updates. The same data underpins meeting notes, task checklists, and review dates, so what you discuss is reflected in the numbers.

When you want a view, the family office dashboards provide a clear balance sheet at a glance. Use the Owner Selector to switch between people and entities, drill into allocation, risk, and liquidity, then open the Statement of Assets and Liabilities. Save views or export to Word or PDF, and jump to the Wealth Map for look through context.

See your net worth in Asora. Book a 15-minute demo.

Why This Template Helps Family Offices

Families need a defensible, decision-ready view of money, assets, and debt. This net worth template creates a clear balance sheet with documented assumptions that works across public markets, private funds, real estate, and operating interests.

Primary use cases

• Lender packages and personal financial statements
• Trustee and beneficiary reporting
• Insurance underwriting submissions
• Subscription finance and capital call facility diligence
• Governance reviews with boards and family councils
• Liquidity planning and scenario work
  

What it delivers

• One source of truth with clear ownership and look through
• Valuation policy, FX dates and sources, and evidence links
• Movement bridge so changes are explainable period to period

What to prioritize

• Structural liabilities that drive liquidity and net worth: Lombard loans, unfunded commitments, mortgages, and intercompany payables
• Non-core, tax-advantaged structures listed under assets with clear labels
• Collateral ties for each liability, plus rate, maturity, and covenants
• Cash, custody cash, and treasury cash are separated for clarity
  

How to use it
Calculate assets minus liabilities, then track the change over time. Keep the presentation simple and attach supporting schedules only where required. For lender or diligence packs, include the document, a budget and cash flow, and short notes on assumptions. The goal is accuracy and speed, so stakeholders can align on the same numbers and act with confidence.