Health as an Asset Class: The Case for Private Health Management

In finance, compounding is the most powerful force. A dollar prudently invested today multiplies across decades. The same is true in health, except here, the asset is time, and quality of time itself. Yet unlike capital, health is too often left unmanaged until volatility strikes.

At Lutanen Health, we integrate Private Health Management into our concierge medicine model—bringing the discipline of wealth stewardship to the most irreplaceable asset you hold: your healthspan.

From Reactive Care to Strategic Governance

Most healthcare is transactional and reactive. In the standard model, an issue arises, after a long wait you are seen, and hope a correct diagnosis is rendered, followed by treatment. But this is akin to a portfolio manager reacting to markets instead of planning for cycles. High-net-worth families and executives would never entrust capital to such a system. Why should health be treated any differently?

Private Health Management reframes care as governance. We act as your Chief Health Strategist: identifying risks before they mature, allocating resources across time horizons, and ensuring your health plan compounds steadily, with minimal volatility.

“Longevity is not about adding years at the end of life. It is about extending prime years, cognitive, physical, and emotional bandwidth, into decades once thought impossible.”

Early Compounding in Biology

In finance, early contributions to a portfolio exert the greatest compounding effect. The same is true in health, only in reverse. Most chronic disease doesn’t begin at diagnosis; it begins with years of subtle dysfunction, often in youth or early adulthood.

Metabolic dysfunction starts young: Over 40% of adults under 40 already show insulin resistance or features of metabolic syndrome. Delaying the onset of chronic disease by just 2–3 years yields significant gains in healthy life expectancy and reduces lifetime healthcare costs.

Cardiovascular disease builds silently: Plaques form in arteries decades before symptoms appear.

Neurodegenerative changes accumulate early: Alzheimer’s and Parkinson’s pathology can begin 15–20 years before clinical signs.

Cancer Prevention: Precision diagnostics can detect cancers at earlier, more treatable stages. The true value of detecting and thwarting early cancer is immeasurable, well beyond the common $150,000 ascribed to each quality adjusted life year in academic economics. 

“The silent compounding of risk in health mirrors the compounding of capital in finance. Small imbalances today become exponential liabilities tomorrow.”

This reality is why Private Health Management is not just for those facing midlife or later-life risk. It is for anyone who wants to strategically extend their prime years and avoid the hidden accrual of liabilities that only manifest decades later.

The Health Portfolio Framework

We approach health as a diversified portfolio with distinct categories:

Core Holdings (Foundational Health): Sleep, nutrition, movement, and stress resilience: the index funds of wellbeing, Performance Medicine.

Precision Medicine: Genomics, biomarker and hormone tracking and optimization, regenerative interventions, integrative therapies and more intensive, research backed longevity protocols. Like private equity, they carry high-yield potential but require expertise.

Liquidity & Protection (Risk Management): Routine urgent care and primary care. Same-day acute care access, physician advocacy, specialist and insurance coordination, and contingency planning, your liquidity buffer for health volatility. Concierge medicine has been show to reduce hospitalization rates by preventing disease states.

A portfolio that balances these domains produces maximizes returns in vitality and longevity while minimizing downside risks such as hospitalization, disability, or cognitive impairment. We serve as the healthcare and longevity quarterback, guiding you and the team we assemble towards your unique goals.

Longevity as Legacy

Strategic longevity planning isn’t about living forever. It is about living well enough, long enough, to continue shaping legacies, personal, professional, and societal.

Risk Mitigation: Early detection of cardiovascular, oncologic, and neurodegenerative disease.

Performance Yield: Cognitive clarity and physical vitality to fuel high-level decision-making.

Succession Planning: Remaining present and engaged in family, institutions, and ventures well beyond conventional horizons.

“Wealth without health is a poor return. Health without strategy is a missed opportunity.”

The Lutanen Health Advantage

Wealth management firms govern capital with investment committees, dashboards, and long-term fiduciary responsibility. We bring the same rigor to health.

At Lutanen Health, clients gain:

Physician-led governance with time and depth of relationship.

A living health strategy that evolves with innovation and your personal goals.

Your capital portfolio may sustain generations. But your health portfolio sustains the person behind the decisions, the relationships, and the legacy.

Enrollment is by invitation only and limited in availability.

About the Author:

Dr. Julia Loewenthal is an internist and geriatrician at Lutanen Health specializing in integrative primary care and healthy aging. Board certified in Internal and Geriatric Medicine, she is an Assistant Professor of Medicine at Harvard Medical School and a faculty fellow with the Osher Collaborative for Integrative Medicine. Her work combines clinical depth, compassion, and mind-body expertise to support lifelong wellness.

Dr. Julia Loewenthal, MD

August 29, 2025