Audience · 01

For advisors.

The depth layer for advisors running plan-heavy books. Annual review, pre-meeting prep, retention work — read the actual documents, surface what's broken, score it before someone else finds it.

01Advisors 02Attorneys 03BGAs
In your practice

You see this every quarter.

An annual review with a long-time client whose trust hasn't been opened since it was signed. A prospect meeting where the client wants to know what their current advisor missed. A retention call after the client got a free plan review somewhere else and came back with questions you can't unanswer.
The cost of finding out second

Reading the actual plan well takes hours per case. Most advisors don't have those hours, and they shouldn't have to. The work doesn't pay until someone finds the gap.

Retention turns on one small thing: being the first person to see what's broken.

A conflict your client hears from someone else is a retention event, whether you want it to be or not.

Where SC drops in

Three workflow moments. Same engine.

No form intake. No client questionnaire. We work from the documents themselves and score what we find. You decide how to use it.

Workflow 01

Pre-meeting prep.

Send in the trust, will, beneficiary forms, last 706, and current illustrations. A founder-reviewed brief lands within 24-48 hours, scoped for what you actually want to discuss.

Deliverable Pre-Meeting Brief · 3-6 pages · founder-reviewed
Workflow 02

Annual review or new-relationship onboarding.

Full case review reads the entire plan, reconciles across instruments, scores every finding by severity and dollar exposure. Advisor memo plus a client-ready summary.

Deliverable Full Case Review · advisor memo + client summary + debrief
Workflow 03

Ongoing planning desk.

For advisors who run plan-heavy books and want depth on tap. Two founder-reviewed briefs each month, additional scans subject to fair use, and discounted full case reviews. Bounded by founder availability — first ten firms only.

Deliverable Planning Desk · two briefs/month + retainer pricing
A sample finding

One card. Everything the advisor needs to act.

The canonical finding card. Severity, domain, what we know, what we don't, the recommended next step, and the citation behind it — every finding lands in this shape.

Material · Credit Shelter · Finding F-04

AB formula based on pre-ATRA exemption assumptions.

The credit shelter formula references a fixed-amount exclusion that predates the American Taxpayer Relief Act. Current law overfunds the bypass trust, underfunds the marital share, and freezes assets in a less flexible vehicle than the plan intends.

What we know

Formula funds bypass with "the largest amount that can pass free of federal estate tax." Plan drafted 2011. Two amendments since, neither updated the formula. Estate is $14.22M; DSUE available through portability.

What we don't know

Whether the surviving spouse intends to rely on portability. Whether a disclaimer option was verbally discussed. The 706 filing posture for the predeceased spouse's estate.

Recommended next step

Move the formula to a Clayton-election or disclaimer structure — or confirm portability is the intended path and file the 706.

Decision window open. If the surviving spouse files a protective 706 within five years of date of death, DSUE preservation is still available.
ConfidenceHigh · 92%
LowMediumHigh
Citations

Reusable component. Finding card (artifact № 02). Same shape across briefs, full reviews, and the planning desk.

Next step

Start with one plan you already need to review.

Bring a real trust into a 30-minute working session. We'll walk a finding set end-to-end so you can see what lands on the advisor's desk.

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