VSI GLOBAL // ENTERPRISE ARCHITECTURE

OSINT-020-net-worth-wealth-profile-collection

17 min read

[SUBJECT ENTITY / INDIVIDUAL] - Collection Map

OSINT-020 Net Worth / Wealth Profile - collection workspace. Central topic = the subject (person or entity) whose net worth is being profiled. Branches = the financial-data-point categories that feed the deliverable. Drop each collected value as a child node; expand it with where it was found. Paste raw tool output into the node’s Notes. → feeds deliverable OSINT-020.

00 · Collection Plan - PIRs & EEIs

The questions this collection must answer + essential elements of information (EEI) for each. Tick as satisfied. → drives §3 Key Judgments, §4 PIRs, §15 Verified Findings Summary, §19 Collection Gaps & RFIs.

PIR-1 - Net-worth magnitude: what is the subject’s estimated total net worth?

  • EEI: real property assets identified and value-estimated (registry, tax assessment, comparables)
  • EEI: financial account assets quantified or bounded (disclosure, credit-header, filed statements)
  • EEI: business / equity interests valued or bounded (registry, financial statements, distributions)
  • EEI: vehicles / vessels / aircraft identified and valued (registry, market data)
  • EEI: cryptocurrency / digital assets identified and estimated (blockchain, disclosure)
  • EEI: high-value personal property / collectibles flagged
  • EEI: total estimated assets figure assembled → §5 balance sheet

PIR-2 - Wealth sources: what are the primary sources of the subject’s wealth?

  • EEI: primary employment / professional income quantified and verified
  • EEI: business income / distributions / draws identified and estimated
  • EEI: investment / passive income streams identified (dividends, rent, royalties)
  • EEI: inheritance / gift / windfall events identified and dated
  • EEI: income streams cross-checked against lifestyle expenditure for consistency
  • EEI: income history matched to wealth accumulation timeline → §6, §10

PIR-3 - Wealth trajectory: is the subject accumulating, sustaining, or depleting wealth?

  • EEI: wealth accumulation timeline constructed from key events → §10
  • EEI: income trend (increasing / stable / declining) assessed
  • EEI: expenditure vs. income net flow direction (net saver / capital erosion) determined
  • EEI: sustainability of current position assessed across a forward horizon → §14

PIR-4 - Liabilities: what material debts and contingent exposures exist?

  • EEI: mortgages / secured loans identified and estimated
  • EEI: unsecured debt (credit lines, personal loans) identified
  • EEI: legal / judgment liabilities (court orders, garnishments, arrears) identified
  • EEI: tax liabilities (filed and estimated) identified
  • EEI: contingent liabilities / guarantees identified
  • EEI: total estimated liabilities assembled and debt-to-asset ratio calculated → §8

PIR-5 - Concealment / opacity: are there indicators of concealed wealth, income suppression, or nominee structures?

  • EEI: offshore / secrecy-jurisdiction indicators mapped → §12
  • EEI: nominee, trust, and third-party wealth-holding structures identified → §13
  • EEI: lifestyle-to-income mismatches identified → §9
  • EEI: unexplained wealth accumulation periods flagged in timeline → §10
  • EEI: red flags (rapid accumulation, opaque structures, cross-border flows) scored → §16

Collection gaps / RFIs (running)

  • [open item] → route to [OSINT-021 Hidden Asset Investigation / OSINT-022 Crypto Tracing / OSINT-023 SoW Report / OSINT-019 Asset Trace / OSINT-025 Continuous Monitoring]
  • [open item]

01 · Target Identity (Holder)

Who the subject is - legal identity of the wealth holder. Required for attribution of every asset, income stream, and liability. → feeds §5 Subject Financial Profile Overview, §21 Annex A identity-resolution confidence, Appendix A Subject Identifier & Entity Index.

  • Full legal name:
  • AKA / trading names / maiden name / former names:
  • Date of birth / year of birth:
  • Place of birth:
  • Nationality / citizenship(s):
  • Residency / domicile (tax):
  • Government / national ID (partial / redacted):
  • Tax reference / TIN / VAT number:
  • Passport number(s) (partial):

Corroborating identifiers (namesake disambiguation)

  • Current address:
  • Current / most recent employer or business:
  • Photo / image reference:
  • Identity-resolution confidence: [Confirmed / Probable / Possible / Unresolved]
  • Matched identifiers used:

Entity wrapper (if subject operates through a primary vehicle)

  • Primary operating company / entity name:
  • Registration number / jurisdiction:
  • Subject’s role in entity:
  • UBO registration:

02 · Real Property

All identified real estate holdings - directly held and through known entities. Clone the block per property. → feeds §7 Asset Summary & Valuation (real property), §5 balance sheet, Appendix C Asset-Register Detail.

Real property block

Clone per property. → feeds §7 real property, §10 wealth timeline. Use land registries, county recorder offices, property-tax databases, Zoopla/Rightmove/Zillow/Redfin, Morningstar/ATTOM.

  • [property - e.g. 14 Elm Road, London SW1 / Lot 42 Block 7 Miami-Dade]
    • Title holder (legal):
    • Subject’s beneficial interest: [Direct / Beneficial / Joint / Trust / Nominee]
    • Property type: [Residential / Commercial / Land / Mixed]
    • Purchase date:
    • Purchase price / consideration:
    • Current estimated value:
    • Valuation basis: [Registry / Tax assessment / Comparable sales / Market benchmark]
    • Encumbrances (mortgage / lien):
    • Registry source / reference:
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

03 · Corporate Holdings & Business Interests

All identified business equity stakes, directorships, partnerships, and investment-vehicle interests - direct and beneficial. Clone per holding. → feeds §7 Asset Summary & Valuation (business equity), §11 Business & Investment Portfolio, Appendix C.

Corporate / business holding block

Clone per entity. → feeds §11 Business & Investment Portfolio. Use OpenCorporates, national registries (Companies House, SEC EDGAR, local equivalents), beneficial-ownership registers (PSC, BODS), Dun & Bradstreet, Orbis/BvD.

  • [entity - e.g. Apex Holdings Ltd / XYZ Partnership]
    • Registration number / jurisdiction:
    • Subject’s interest / role: [Director / Shareholder / UBO / Partner / Beneficiary]
    • Ownership percentage:
    • Date acquired:
    • Estimated value / equity stake:
    • Valuation basis: [Financial statements / Revenue multiple / Registry / Inference]
    • Annual distributions / dividends drawn:
    • Co-owners / co-directors:
    • Associated filings (accounts, charges, annual returns):
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

04 · Financial Accounts & Instruments

OSINT-visible financial account indicators - from disclosure, filed statements, credit-header where authorised, and inference. Clone per account or instrument type. → feeds §7 Financial accounts & liquid assets, §8 Liabilities, §5 balance sheet.

Note: direct bank-account balances are not publicly accessible in most jurisdictions without consent, court order, or authorised credit-header inquiry. Collect indicators (known institutions, disclosed accounts, filed statements, lifestyle-inference of liquidity) and flag the access method.

Account / instrument block

Clone per known account or instrument. Credit-header authorisation required for US; GLBA §521 applies. Do not pretext.

  • [account / instrument - e.g. Barclays current account / brokerage at Interactive Brokers / ISA]
    • Institution:
    • Account type: [Current / Savings / Brokerage / Investment / Pension / Bond / Structured product]
    • Known from: [Disclosure / Filed document / Credit-header / Inference / Leaked data (flag provenance)]
    • Estimated balance / value:
    • Currency:
    • Confidence in balance estimate: [H/M/L]
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

Pension / retirement assets

  • Provider / scheme:
  • Estimated value:
  • Basis:
  • Notes:

Intellectual property / intangibles (royalties / licenses)

  • IP asset / right:
  • Estimated value:
  • Annual income generated:
  • Registry / source:

05 · Movable Assets (Vehicles / Vessels / Aircraft / Art / Collectibles)

High-value movable property identified through registries, observation, disclosed accounts, or lifestyle indicators. Clone per asset. → feeds §7 Asset Summary (vehicles/vessels/aircraft, high-value personal property), §9 Lifestyle Expenditure.

Vehicle block

Clone per vehicle. → feeds §7, §9. Use DVLA, DMV, state motor vehicle registries; carVertical/VINCheck for VIN; auction records; JDP/Kelley Blue Book for value.

  • [vehicle - e.g. 2022 Porsche 911 GT3 / Range Rover SV]
    • Registration plate:
    • VIN:
    • Title holder:
    • Purchase date / price:
    • Estimated current value:
    • Valuation basis: [Registry / Market / Inference]
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

Vessel block

Clone per vessel. → feeds §7, §9. Use Lloyd’s Register, US Coast Guard MVDC, national maritime registries; MarineTraffic AIS for location; YachtWorld/boat-auction records.

  • [vessel - e.g. MY Serenova (45m) / SY Wind Spirit]
    • IMO / MMSI / registration number:
    • Flag state:
    • Registered owner:
    • Estimated value:
    • Notes / tool output:

Aircraft block

Clone per aircraft. → feeds §7, §9. Use FAA N-register, ICAO, EASA, CAA, ADS-B Exchange / FlightAware for pattern.

  • [aircraft - e.g. Cessna Citation Longitude N422XY]
    • Tail / registration:
    • Registry holder:
    • Estimated value:
    • Notes / tool output:

Art / collectibles / high-value personal property

  • [item - e.g. Basquiat (attributed, 2023 Christie’s), watch collection]
    • Type / category:
    • Source (observed / disclosed / probate / auction record):
    • Estimated value:
    • Notes:

06 · Cryptocurrency & Digital Assets

All identified cryptocurrency holdings, wallet addresses, exchange accounts, NFTs, or other digital-asset indicators. Clone per wallet / exchange account. → feeds §7 Asset Summary (cryptocurrency/digital assets), §12 Offshore & Cross-Border (where relevant).

Wallet / exchange block

Clone per wallet or account. → feeds §7, §12. Use blockchain explorers (Etherscan, Blockchain.com, Blockchair, Mempool.space); on-chain analytics tools (Chainalysis-style clustering, Crystal Blockchain, Arkham); exchange disclosure / court-ordered records. Flag whether known from disclosure, court record, inference, or leaked data.

  • [wallet / exchange - e.g. 0x4f3b…a921 (ETH) / Coinbase account (disclosed)]
    • Chain / asset type: [BTC / ETH / USDT / other]
    • Known from: [Disclosure / Court record / Blockchain inference / Leaked data (flag)]
    • Estimated balance / value:
    • Transaction history highlights:
    • Linked addresses / clusters:
    • Exchange KYC (known / inferred):
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

07 · Income & Source of Wealth / Funds

Reconstruct all income streams and the narrative source of the subject’s wealth. Clone per income stream. → feeds §6 Income Analysis, §10 Wealth Accumulation Timeline, §21 Annex A (sourcing).

Income stream block

Clone per income stream. → feeds §6 Income Analysis. Cross-check against §9 lifestyle expenditure for consistency.

  • [income stream - e.g. Director salary at Apex Holdings Ltd / Rental income 3 London properties / Dividend from XYZ Ltd]
    • Type: [Employment salary / Director fee / Business distribution / Investment / Rental / Royalty / Pension / Inheritance / Gift / Other]
    • Source entity / payor:
    • Estimated annual quantum:
    • Basis: [Filed accounts / Disclosure / Tax return / Inference from lifestyle / Registry / Other]
    • Trend: [Increasing / Stable / Declining / Lumpy]
    • Confidence: [H/M/L]
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

Wealth-origin events (timeline anchors)

Key events that explain accumulation jumps. → feeds §10 Wealth Accumulation Timeline.

  • [event - e.g. Sale of TechCo Ltd (2019, ~£4M net proceeds) / Inheritance of estate (2015)]
    • Date / period:
    • Estimated value / quantum:
    • Source of evidence:
    • Plausibility assessment: [Plausible / Implausible / Insufficient evidence]
    • Notes:

08 · Liabilities & Encumbrances

All identified debts, liens, judgments, tax liabilities, and contingent obligations. Clone per liability. → feeds §8 Liabilities & Indebtedness, §5 balance sheet.

Liability block

Clone per liability. → feeds §8. Use HM Land Registry charges, county-court judgment registers (Registry Trust UK, PACER US), tax-lien databases (IRS, HMRC via judgment), credit-header (authorised), court records.

  • [liability - e.g. Barclays mortgage on 14 Elm Road / CCJ (Ref 2022HC4421) / HMRC tax demand]
    • Liability type: [Mortgage / Secured loan / Unsecured debt / CCJ / Tax lien / Guarantee / Judgment / Contingent]
    • Creditor / counterparty:
    • Estimated quantum:
    • Registration / case reference:
    • Status: [Current / Arrears / Default / Satisfied / Disputed]
    • Basis: [Registry / Court record / Credit-header / Disclosure / Inference]
    • Confidence: [H/M/L]
    • Notes / tool output:

09 · Lifestyle Expenditure & Consumption Analysis

Observable lifestyle indicators that cross-check income and net-worth estimates. Not surveillance - open-source indicators only (social media, press, property records, registries, auction records, school directories, charity donors lists). → feeds §9 Lifestyle Expenditure & Consumption Analysis.

Lifestyle indicator block

Clone per dimension / indicator. → feeds §9, PIR-2 income consistency check.

  • [indicator - e.g. Children at Eton (£47k p.a.) / Berth at Porto Montenegro marina / Observed Gulfstream charter]
    • Category: [Property / Vehicle / Travel / Education / Charity / Luxury / Other]
    • Observable basis (source / URL):
    • Estimated annual cost:
    • Income alignment: [Consistent / Inconsistent / Unable to assess]
    • Source grade:
    • Notes:

Lifestyle-to-income consistency assessment (running)

  • Estimated total lifestyle expenditure p.a.:
  • Estimated total income p.a.:
  • Net flow indication: [Net saver / Broadly breakeven / Capital erosion / Unexplained surplus / Significant mismatch - flag]

10 · Wealth Accumulation Timeline

Chronological reconstruction of the subject’s financial position - key wealth-creating or -depleting events, period-start and period-end wealth estimates, and plausibility of the accumulation path. → feeds §10 Wealth Accumulation Timeline, §3 KJ-2 and KJ-3, Appendix E Timeline Chart.

Timeline entry block

Clone per period or key event. → feeds §10.

  • [period / event - e.g. 2005–2010: early career; 2019: TechCo sale; 2022–present: portfolio phase]
    • Wealth position at start of period (est.):
    • Key events and wealth drivers in period:
    • Net change in period:
    • Plausibility: [Plausible / Implausible / Insufficient evidence]
    • Source grade:
    • Notes:

11 · Business & Investment Portfolio (Capital Value)

Capital value and composition of the subject’s material business and investment holdings - distinct from §07 (income generated). → feeds §11 Business & Investment Portfolio.

Portfolio holding block

Clone per holding. → feeds §11. Use SEC EDGAR, Companies House, SEDAR, stock-exchange disclosures, court-filed financial statements, disclosed accounts.

  • [holding - e.g. 23% equity in Apex Holdings Ltd / ISA portfolio (disclosed) / LP interest in Mayfair Real Estate Fund]
    • Holding type: [Private equity / Public equity / Fund LP / Fixed income / Structured product / Private placement]
    • Subject’s interest: [Direct / Beneficial / Nominee]
    • Estimated capital value:
    • Liquidity: [High / Medium / Low / Illiquid]
    • Income / dividend history (annual):
    • Valuation basis:
    • Confidence: [H/M/L]
    • Notes:

12 · Offshore & Cross-Border Financial Indicators

All indicators of offshore structures, secrecy-jurisdiction nexus, and international-financial-centre engagement. → feeds §12 Offshore & Cross-Border Financial Indicators, §13 Nominee/Trust Structures, §16 Red Flags.

Offshore indicator block

Clone per indicator / structure. → feeds §12. Use ICIJ Offshore Leaks (Panama Papers, Pandora Papers, FinCEN Files), OpenCorporates, national company registries (BVI, Cayman, Isle of Man, Jersey, Guernsey, Liechtenstein, Panama, Seychelles, UAE), beneficial-ownership public registers where available; adviser / CSP / fiduciary nexus search.

  • [indicator - e.g. BVI company (Offshore Capital Ltd) - subject director; adviser at Carey Olsen Jersey]
    • Jurisdiction:
    • Structure type: [Company / Trust / Foundation / LP / Fund / Custodial account / Other]
    • Asset class linked:
    • Subject’s nexus: [Director / Shareholder / Settlor / Beneficiary / Signatory / UBO / Economic owner]
    • Opacity level: [Low / Moderate / High / Secrecy jurisdiction]
    • Likely function: [Tax optimisation / Asset protection / Concealment / Inheritance planning / Regulatory arbitrage]
    • Confidence: [H/M/L]
    • Notes / tool output:

13 · Nominee, Trust & Third-Party Wealth-Holding Structures

Structures where legal title is held by a third party but the subject retains beneficial ownership, control, or economic benefit. → feeds §13 Nominee, Trust & Third-Party Wealth-Holding Structures, §16 Red Flags.

Nominee / trust / structure block

Clone per structure. Distinguish documented from inferred. → feeds §13.

  • [structure - e.g. Smith Family Trust (Jersey) - S as settlor/beneficiary; Jane Smith (spouse) as nominee director Apex Holdings]
    • Title-holder / structure name:
    • Jurisdiction:
    • Subject’s role / benefit: [Beneficiary / Settlor / Protector / Economic owner / Operator / Principal]
    • Control basis: [Documented (trust deed, UBO register) / Corroborated (financial flows, shared advisers) / Inferred (circumstantial)]
    • Control confidence: [Confirmed / Probable / Possible]
    • Assets held through structure:
    • Inclusion in net worth: [Included / Not included / Partial - basis]
    • Source grade:
    • Notes / tool output:

14 · Wealth-Sustainability Assessment (Working Notes)

Working analysis of whether the subject can sustain their current wealth, income, and lifestyle. → feeds §14 Wealth-Sustainability Assessment, §3 KJ-3.

Sustainability dimension notes

  • Asset liquidity assessment:
  • Income durability assessment:
  • Liability serviceability (can current income service the debt load?):
  • Consumption vs. income net flow: [Net saver / Breakeven / Capital erosion]
  • External risk factors (sector, regulatory, legal, reputational):
  • Overall sustainability judgment: [Sustainable / At risk / Declining / Insufficient evidence]

15 · Red Flags & Concealment Indicators

Running log of red flags and notable indicators identified during collection. → feeds §16 Red Flags & Notable Indicators, §17 ACH (H2 concealment hypothesis), §19 Collection Gaps & RFIs.

Red flag block

Clone per flag. Severity: Critical / High / Medium / Low per §16 definitions. → feeds §16.

  • [red flag - e.g. Lifestyle-income mismatch: estimated annual expenditure £800k vs. declared income £120k]
    • Dimension: [§ reference]
    • Severity: [Critical / High / Medium / Low]
    • Basis / evidence:
    • Disposition: [Open / Mitigable / Escalate to OSINT-021 Hidden Asset / OSINT-022 Crypto / OSINT-023 SoW]
    • Notes:

16 · Adverse Information, Legal & Sanctions Screening

Legal, regulatory, sanctions, and derogatory indicators affecting the financial profile - enforce-ability, bankruptcy history, judgments, PEP status, sanctions exposure. → feeds §8 Liabilities (legal/judgment), §16 Red Flags, §21 Annex A.

Sanctions / PEP / watchlist

  • OFAC SDN / Consolidated Sanctions List: [Clear / Hit / Near-match]
  • EU / UK / UN sanctions:
  • PEP status (FATF definition):
  • Source / date checked:

Bankruptcy / insolvency history

  • Filing jurisdiction / reference:
  • Type: [Personal bankruptcy / IVA / CVA / Administration / Liquidation]
  • Date:
  • Status: [Discharged / Live / Annulled]
  • Assets affected / excluded:
  • Source:

Court judgments (civil / financial)

  • [matter]
    • Case reference / jurisdiction:
    • Role (plaintiff / defendant / respondent):
    • Amount / quantum:
    • Status: [Pending / Judgment entered / Enforced / Satisfied]
    • Relevance to net worth:

Adverse media (financial / fraud / corruption)

  • [outlet + date]
    • Substance:
    • Reliability (A–F) / Credibility (1–6):

17 · Professional Advisers & Financial Facilitators

The subject’s professional-adviser network (lawyers, accountants, private bankers, wealth managers, trust / corporate-service providers) - material for identifying structures, jurisdictions, and wealth-holding mechanisms not visible in public registries. → feeds §13 Nominee/Trust structures, §12 Offshore indicators, §20.2 Recommendations (next steps).

Adviser / facilitator block

Clone per adviser. → feeds §13, §12. Cross-reference with ICIJ Offshore Leaks, Panama/Pandora Papers CSP lists, UK SRA register, ICAEW/CPA, local Bar directories.

  • [adviser - e.g. Smith & Partners LLP (solicitors, Jersey) / KPMG (auditors, London) / Pictet (private bank, Geneva)]
    • Role: [Solicitor / Accountant / Auditor / Wealth manager / Private banker / Trust/CSP / Other]
    • Firm / institution:
    • Jurisdiction:
    • Nexus to subject: [Filed documents / Correspondence / Offshore Leaks / Press / Inference]
    • Structures or assets linked through adviser:
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes:

18 · Subject Network (Wealth-Relevant Associates)

Associates, family members, and entities whose names appear in title records, company registries, trust documents, or financial filings as connected to the subject’s wealth - nominee directors, co-signatories, family settlors/beneficiaries, business partners. → feeds §13 Nominee/Trust structures, §11 Business & Investment Portfolio.

Associate block

Clone per associate. → feeds §13, nominee/trust structures analysis.

  • [name - e.g. Jane Smith (spouse) / Robert Chen (business partner) / Apex Nominees Ltd (nominee shareholder)]
    • Relationship to subject:
    • Wealth nexus: [Nominee director / Co-owner / Trust trustee / Beneficiary / Signatory / Co-debtor]
    • Assets / structures where name appears:
    • Source:
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes:

99 · Collection Admin

Working register - the audit trail behind the deliverable. Not itself a deliverable section, but the basis for §21 Annex A Sources & Methodology and Appendix G Full Source Register.

Source register

Every material datum traceable to a graded source. Admiralty two-axis code (A–F reliability / 1–6 credibility).

  • [S-1 - source name / type]
    • Type: [Primary / Secondary / Tertiary]
    • Reliability (A–F):
    • Credibility (1–6):
    • Two-axis grade:
    • Date accessed:
    • Coverage / limitation note:

Evidence archive

  • [screenshot / capture ref + SHA-256 hash + URL + timestamp]:

Access-method log (lawful-basis record)

  • [source / data type] - access method: [Open / Licensed / Credit-header (authorised) / Consent / Court order / Leaked-data pointer only (flag provenance, not primary evidence)]
  • Lawful-basis note:

Open gaps / verification pending

  • [item not yet collected or corroborated] → target: [source / collection method]
  • [item submitted, not yet returned]

RFI / escalation register

Graph View