Prepared for one client · IllustrativeHealth Balance Sheet™
Health Strategy · Health Balance Sheet™
Your wealth has a balance sheet.
Your health has a portal login.
A physical says whether you are well today. Nothing says where you stand against what you want your health to make possible at sixty, seventy, and eighty. The Accessum Health Balance Sheet™ is that account, in four parts, kept for decades.
Start a conversationA registered nurse responds within a day.
Having your records is not the same as knowing your position.
Understand and direct
An account of where you stand, read against where you want to go.
Everywhere else the stakes are this high, you receive a statement: what you hold, what you owe, what you are exposed to, and a plan read against your goals. The marketplace gives you results in a dozen portals, each judged against a population, none of them read together before a decision.
The marketplace never asks what your health is meant to make possible, or whether you are on track. It was not built to.
A physical returns “normal.” That is a verdict on what was looked for.
Your history exists, in pieces. No one has read it as one.
The Balance Sheet begins with the goal, then establishes the position.
The Health Balance Sheet™
The Balance Sheet, as you receive it.
Open it. Your goals by decade, then your position in four parts: Assets to protect, Liabilities to manage, Risks to watch, and Unknowns, each brought to a decision. Close it six months later and it is the same document, kept.
Prepared for one client · IllustrativeHealth Balance Sheet™
Health Balance Sheet™
Where your health stands, in four parts.
AssetsWhat is working in your favor
LiabilitiesWhat requires active management
RisksWhat requires mitigation or surveillance
UnknownsWhat prevents informed planning · each with a disposition
What I want my health to make possible
At sixtyStill running my company.
At seventyThe energy to travel, and for grandchildren.
At eightyMy relationships and my physical health, kept.
The gap
Healthcare is managed in episodes.
Your life is not.
A symptom appears, a visit is booked, a result is reviewed, and the episode closes. No one — not even your primary care physician — is asked whether you are on track for sixty, seventy or eighty.
The discipline
Financial planning starts with what you want your capital to do. Healthcare deserves the same. Your answer above is the beginning of your strategy: what should be known today, what deserves a baseline, what must stay stable, what change would matter.
The instrument
This Balance Sheet reads your position against that future, and manages toward it: we protect the assets, manage the liabilities, watch the risks, and give every unknown a decision.
01 · Assets
Assets
Health strengths, habits and existing care worth protecting.
What we believe
What is working belongs in the strategy. An asset is not assumed; it is kept — a baseline, comparable measures at the interval your physicians set, read against your own history — so change is seen early, while options remain.
Opposite
This person's assets as they stand, and beside each, how it is kept and who keeps it.
Puts into practiceBelief 2 · Understanding and directionBelief 3 · Longitudinal healthcare
1Health Balance Sheet™ · AssetsPrepared for one client · Illustrative · Issued 14 March 2026
AssetsProtect
EntryHow it is kept · owner
Primary care relationship of twelve years; records completeRecords held in one place and compared at every review.
KeptAccessumCardiac fitness documented; regular endurance trainingOn the baseline series, repeated at the interval your physicians set.
KeptPhysician intervalAdvanced lab baselining complete, 2024Repeated on schedule; direction, pace and change reported to you.
KeptPhysician intervalFull imaging history on file, 2014–2026Every new image read against it.
KeptAccessumColonoscopy completed 2022; next date on fileDate held; arranged before it falls due; report filed after.
KeptAccessumSkin cancer check with dermatology, annual since 2021Held each year; report on file.
KeptYouDesignated family contact and authorizations in placeConfirmed at each review.
KeptAccessum
Illustrative. Intervals and measures are your physicians' decisions; Accessum makes sure they happen, are kept and are compared.
2
02 · Liabilities
Liabilities
Existing conditions and concerns that need attention.
What we believe
A condition can be well managed and still need a place in the picture. The question is never whether it exists but whether it is managed: understood, owned by a clinician, decided, acted on, current.
Opposite
What needs attention, and beside each, who is managing it and what was decided.
Puts into practiceBelief 2 · Understanding and directionBelief 5 · Navigation and managed execution
3Health Balance Sheet™ · LiabilitiesPrepared for one client · Illustrative · Issued 14 March 2026
LiabilitiesAttend
EntryHow it is managed · owner
Blood pressure, managed; last review eleven months agoPast the interval your physician set. Review arranged; result to be compared with the series.
ManagedAccessumRecurrent lower-back pain; no imaging since 2021Whether re-evaluation is warranted is your physician's question. Asked; the decision recorded either way.
Decision pendingPhysicianMild hearing loss noted in 2022; no follow-up sinceFollow-up arranged; owner named; date set.
ManagedAccessumSleep disrupted for a year; not raised with any physicianBrought to the next visit as a question with an owner, not left to mention.
ManagedYou · PhysicianFour prescribers; no single current list of medicationsOne current list held by Accessum and shared with each prescriber.
ManagedAccessum
Illustrative. Your physicians decide the care; Accessum makes sure each concern has an owner and a next step.
4
03 · Risks
Risks
Factors in your history, family history and circumstances that deserve consideration.
What we believe
The marketplace waits — for a symptom, a threshold, a guideline age. Responsible detection begins earlier: a clear question, an appropriate method, a plan for what follows, decided with your physicians. “Considered and decided” is not “nobody has considered this.”
Opposite
This person's risks, and beside each, what is watched and when.
Puts into practiceBelief 4 · Early, responsible detectionBelief 3 · Longitudinal healthcare
5Health Balance Sheet™ · RisksPrepared for one client · Illustrative · Issued 14 March 2026
RisksConsider
EntryWhat is watched · owner
Father: colorectal cancer, diagnosed at 58Surveillance interval set with your physicians; next date recorded and held.
WatchedPhysicians · AccessumMother: osteoporosis; hip fracture at 72Bone density — see Unknowns.
ConsideredSee UnknownsLDL elevated on the last two panelsOn the baseline series; reviewed with your physician; decision recorded.
WatchedPhysicianCardiac disease in the family: an uncle, at 61Cardiac workup and assessment discussed with your physicians; decision recorded.
ConsideredPhysiciansExtended time abroad each yearRecords, coverage and a point of contact arranged before travel.
ArrangedAccessum
Illustrative. Surveillance is decided with your physicians; Accessum keeps the interval, the record and the next date.
6
04 · Unknowns
Unknowns
Missing information and unresolved questions that may affect your decisions.
What we believe
A material Unknown is a risk in its own right. It does not demand another test; it demands a decision — investigate it, monitor it, or leave it, informed — and a name beside it. No important question disappears because no one owned what came next.
Opposite
What is not yet known, and beside each, its disposition and who owns what follows.
Puts into practiceBelief 4 · Early, responsible detection
7Health Balance Sheet™ · UnknownsPrepared for one client · Illustrative · Issued 14 March 2026
UnknownsClarify · with a disposition
EntryDisposition · owner
2023 report notes “follow-up advised”; no record it occurredRecord requested; the clinical question brought to the responsible physician.
InvestigateAccessumScreening interval after father's diagnosis; no documented planInterval to be set with your physicians; then carried under Risks.
InvestigatePhysiciansBone density never measuredWhether to measure is your physicians' decision; the question is theirs, owned and dated.
InvestigatePhysiciansFamily history risk profile and genetic testing never assessedWhether assessment is warranted is your physicians' decision; asked.
InvestigatePhysiciansHormone panel, 2024: result in a portal, never reviewed with anyoneResult retrieved; review arranged with the ordering physician.
InvestigateAccessumVaccination record incomplete before 2010Recorded; revisited at review.
Leave, informedRecorded
Illustrative. Dispositions are agreed with you and your physicians; each has an owner and a date.
8
Six months on
The same document. Kept.
Your Balance Sheet is not a report produced once. As records arrive, Unknowns become known. As findings appear, the statement changes. As responsibilities complete or fall overdue, the Score changes with them.
Opposite
The statement as reviewed with you in September. What moved is marked.
9Health Balance Sheet™ · As reviewedPrepared for one client · Illustrative · Issued 14 March 2026 · Reviewed 12 September 2026 · Next review March 2027
AssetsProtect
- Primary care relationship of twelve years; records complete
- Cardiac fitness on the baseline series; repeated August 2026Confirmed
- Advanced lab baselining repeated; change reportedConfirmed
- Full imaging history on file, 2014–2026
- Colonoscopy completed 2022; next date on file
- Skin cancer check with dermatology, annual since 2021
- Designated family contact and authorizations in place
LiabilitiesAttend
- Blood pressure, managed; reviewed August 2026Next date set
- Lower-back pain: re-evaluation not warranted — decided with your physicianDecided
- Hearing loss noted in 2022; follow-up completedClosed
- Sleep: raised with your physician; under reviewOwned
- One current list of medications, held and shared
RisksConsider
- Father: colorectal cancer at 58 · surveillance interval setNext date
- Mother: osteoporosis; hip fracture at 72
- LDL elevated; on the baseline series
- Cardiac disease in the family · workup discussed; decision recordedDecided
- Extended time abroad each year; arrangements standing
UnknownsClarify · with a disposition
- 2023 report “follow-up advised” · record obtainedClosed
- Bone density measured · result with your physiciansClosed
- Family history risk profile · assessment decided with your physiciansDecided
- Hormone panel result reviewed with the ordering physicianClosed
- Vaccination record incomplete before 2010Leave, informed
Illustrative. Not a client's record and not a clinical assessment. Marked rows moved since March.
10Health Balance Sheet™
Tap a page to turn it · arrow keys work too
Health Balance Sheet™
Where your health stands, in four parts.
AssetsWhat is working in your favor
LiabilitiesWhat requires active management
RisksWhat requires mitigation or surveillance
UnknownsWhat prevents informed planning · each with a disposition
What I want my health to make possible
At sixtyStill running my company.
At seventyThe energy to travel, and for grandchildren.
At eightyMy relationships and my physical health, kept.
The gap
Healthcare is managed in episodes.
Your life is not.
A symptom appears, a visit is booked, a result is reviewed, and the episode closes. No one — not even your primary care physician — is asked whether you are on track for sixty, seventy or eighty.
The discipline
Financial planning starts with what you want your capital to do. Healthcare deserves the same. Your answer above is the beginning of your strategy: what should be known today, what deserves a baseline, what must stay stable, what change would matter.
The instrument
This Balance Sheet reads your position against that future, and manages toward it: we protect the assets, manage the liabilities, watch the risks, and give every unknown a decision.
01 · Assets
Assets
Health strengths, habits and existing care worth protecting.
What we believe
What is working belongs in the strategy. An asset is not assumed; it is kept — a baseline, comparable measures at the interval your physicians set, read against your own history — so change is seen early, while options remain.
Opposite
This person's assets as they stand, and beside each, how it is kept and who keeps it.
Puts into practiceBelief 2 · Understanding and directionBelief 3 · Longitudinal healthcare
1Health Balance Sheet™ · AssetsPrepared for one client · Illustrative · Issued 14 March 2026
AssetsProtect
EntryHow it is kept · owner
Primary care relationship of twelve years; records completeRecords held in one place and compared at every review.
KeptAccessumCardiac fitness documented; regular endurance trainingOn the baseline series, repeated at the interval your physicians set.
KeptPhysician intervalAdvanced lab baselining complete, 2024Repeated on schedule; direction, pace and change reported to you.
KeptPhysician intervalFull imaging history on file, 2014–2026Every new image read against it.
KeptAccessumColonoscopy completed 2022; next date on fileDate held; arranged before it falls due; report filed after.
KeptAccessumSkin cancer check with dermatology, annual since 2021Held each year; report on file.
KeptYouDesignated family contact and authorizations in placeConfirmed at each review.
KeptAccessum
Illustrative. Intervals and measures are your physicians' decisions; Accessum makes sure they happen, are kept and are compared.
202 · Liabilities
Liabilities
Existing conditions and concerns that need attention.
What we believe
A condition can be well managed and still need a place in the picture. The question is never whether it exists but whether it is managed: understood, owned by a clinician, decided, acted on, current.
Opposite
What needs attention, and beside each, who is managing it and what was decided.
Puts into practiceBelief 2 · Understanding and directionBelief 5 · Navigation and managed execution
3Health Balance Sheet™ · LiabilitiesPrepared for one client · Illustrative · Issued 14 March 2026
LiabilitiesAttend
EntryHow it is managed · owner
Blood pressure, managed; last review eleven months agoPast the interval your physician set. Review arranged; result to be compared with the series.
ManagedAccessumRecurrent lower-back pain; no imaging since 2021Whether re-evaluation is warranted is your physician's question. Asked; the decision recorded either way.
Decision pendingPhysicianMild hearing loss noted in 2022; no follow-up sinceFollow-up arranged; owner named; date set.
ManagedAccessumSleep disrupted for a year; not raised with any physicianBrought to the next visit as a question with an owner, not left to mention.
ManagedYou · PhysicianFour prescribers; no single current list of medicationsOne current list held by Accessum and shared with each prescriber.
ManagedAccessum
Illustrative. Your physicians decide the care; Accessum makes sure each concern has an owner and a next step.
403 · Risks
Risks
Factors in your history, family history and circumstances that deserve consideration.
What we believe
The marketplace waits — for a symptom, a threshold, a guideline age. Responsible detection begins earlier: a clear question, an appropriate method, a plan for what follows, decided with your physicians. “Considered and decided” is not “nobody has considered this.”
Opposite
This person's risks, and beside each, what is watched and when.
Puts into practiceBelief 4 · Early, responsible detectionBelief 3 · Longitudinal healthcare
5Health Balance Sheet™ · RisksPrepared for one client · Illustrative · Issued 14 March 2026
RisksConsider
EntryWhat is watched · owner
Father: colorectal cancer, diagnosed at 58Surveillance interval set with your physicians; next date recorded and held.
WatchedPhysicians · AccessumMother: osteoporosis; hip fracture at 72Bone density — see Unknowns.
ConsideredSee UnknownsLDL elevated on the last two panelsOn the baseline series; reviewed with your physician; decision recorded.
WatchedPhysicianCardiac disease in the family: an uncle, at 61Cardiac workup and assessment discussed with your physicians; decision recorded.
ConsideredPhysiciansExtended time abroad each yearRecords, coverage and a point of contact arranged before travel.
ArrangedAccessum
Illustrative. Surveillance is decided with your physicians; Accessum keeps the interval, the record and the next date.
604 · Unknowns
Unknowns
Missing information and unresolved questions that may affect your decisions.
What we believe
A material Unknown is a risk in its own right. It does not demand another test; it demands a decision — investigate it, monitor it, or leave it, informed — and a name beside it. No important question disappears because no one owned what came next.
Opposite
What is not yet known, and beside each, its disposition and who owns what follows.
Puts into practiceBelief 4 · Early, responsible detection
7Health Balance Sheet™ · UnknownsPrepared for one client · Illustrative · Issued 14 March 2026
UnknownsClarify · with a disposition
EntryDisposition · owner
2023 report notes “follow-up advised”; no record it occurredRecord requested; the clinical question brought to the responsible physician.
InvestigateAccessumScreening interval after father's diagnosis; no documented planInterval to be set with your physicians; then carried under Risks.
InvestigatePhysiciansBone density never measuredWhether to measure is your physicians' decision; the question is theirs, owned and dated.
InvestigatePhysiciansFamily history risk profile and genetic testing never assessedWhether assessment is warranted is your physicians' decision; asked.
InvestigatePhysiciansHormone panel, 2024: result in a portal, never reviewed with anyoneResult retrieved; review arranged with the ordering physician.
InvestigateAccessumVaccination record incomplete before 2010Recorded; revisited at review.
Leave, informedRecorded
Illustrative. Dispositions are agreed with you and your physicians; each has an owner and a date.
8Six months on
The same document. Kept.
Your Balance Sheet is not a report produced once. As records arrive, Unknowns become known. As findings appear, the statement changes. As responsibilities complete or fall overdue, the Score changes with them.
Opposite
The statement as reviewed with you in September. What moved is marked.
9Health Balance Sheet™ · As reviewedPrepared for one client · Illustrative · Issued 14 March 2026 · Reviewed 12 September 2026 · Next review March 2027
AssetsProtect
- Primary care relationship of twelve years; records complete
- Cardiac fitness on the baseline series; repeated August 2026Confirmed
- Advanced lab baselining repeated; change reportedConfirmed
- Full imaging history on file, 2014–2026
- Colonoscopy completed 2022; next date on file
- Skin cancer check with dermatology, annual since 2021
- Designated family contact and authorizations in place
LiabilitiesAttend
- Blood pressure, managed; reviewed August 2026Next date set
- Lower-back pain: re-evaluation not warranted — decided with your physicianDecided
- Hearing loss noted in 2022; follow-up completedClosed
- Sleep: raised with your physician; under reviewOwned
- One current list of medications, held and shared
RisksConsider
- Father: colorectal cancer at 58 · surveillance interval setNext date
- Mother: osteoporosis; hip fracture at 72
- LDL elevated; on the baseline series
- Cardiac disease in the family · workup discussed; decision recordedDecided
- Extended time abroad each year; arrangements standing
UnknownsClarify · with a disposition
- 2023 report “follow-up advised” · record obtainedClosed
- Bone density measured · result with your physiciansClosed
- Family history risk profile · assessment decided with your physiciansDecided
- Hormone panel result reviewed with the ordering physicianClosed
- Vaccination record incomplete before 2010Leave, informed
Illustrative. Not a client's record and not a clinical assessment. Marked rows moved since March.
10Health Balance Sheet™
Illustrative. Not a client’s record, not a clinical assessment, and not a diagnosis: a management view of one person’s healthcare position. Every entry, interval, and decision is made with you and your physicians.
How it is built, and kept
Built from your life, your history, and your care. Kept as they change.
What happens before the first page is written, on every page, and after it is issued.
Before the first page: your goals.
What you want your health to make possible, and for how long. Every line that follows is read against that answer.
Then your records, gathered.
With your authorization, from every office, and read as one before anything is written.
On every page: your own history.
Purposeful baselines, compared with your past results rather than a population’s, so a change is seen while options remain.
On every page: a decision for each Unknown.
Investigate, monitor, or leave it, informed. A name beside each, and a date. Early detection does not guarantee an outcome; it gives you awareness and options.
After it is issued: reviewed with you, and kept.
Updated as results arrive and as life changes, and reviewed with you on a schedule.
Not a summary of your healthcare. A position you can understand, and direct.
Position, management, strategy
Your position. How well it is managed. One written strategy.
The Balance Sheet describes your position. The Accessum Management Score™ reads how well each part of it is being managed toward your goals; it does not grade your health. Together they become one written strategy: the open work, in order, each step with a name and a date. Every decision after that is measured against where you are meant to end up.
The Balance Sheet is prepared for clients who retain Accessum to manage their health deliberately, for the decades ahead.
Someone in treatment today needs other things first. The same team provides them, through the service built for that situation.
The work is billed hourly and recorded to the minute, with a monthly accounting of what was done and by whom.
Read once, it is a report. Kept, it is management.
The Balance Sheet is where the strategy begins, not where it ends.
A physical answers one question, are you well today, and it answered correctly.
Hallie Woods, Founder
One relationship
The Health Balance Sheet is part of Professional Healthcare Management: the same team and the same written strategy, without starting over, whatever your health asks of you next.
Explore Professional Healthcare ManagementProfessional Healthcare Management
Is all of your healthcare being professionally managed?
Until now, there was no one to hire. Now there is.
Tell us what you want your health to make possible. A registered nurse responds within a day, and sets out the work and how it is billed in a written proposal before anything begins.
Start a conversationManagement is nationwide. Our nurses are based in Colorado and travel with you to your specialist when you want them there. In Colorado, in‑home support and primary care through our nurse practitioners are available to clients who ask.