Outcome · 01

Retention.

Catches conflicts and gaps in existing plans — before your client finds them in someone else's review.

01Retention 02Revenue 03Lead-gen 04Scale
The problem

Plans quietly go stale.

A 2015 AB formula still presumes a $600K exemption. A QPRT term expired last year and nobody reset the rental. A beneficiary designation on the old IRA contradicts the trust.
The cost of finding out second

Your client doesn't know. Neither does their last attorney. A reviewer down the hall will find it — and that's the review you lose.

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

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

How SC catches it

Three behaviours. Each earns its keep.

No form intake. No client questionnaire. We work from the documents themselves and score what we find.

Behaviour 01

Reads the actual documents.

Trust instruments, amendments, beneficiary forms, tax returns, insurance illustrations — read and parsed. Not a fact sheet, not a form intake.

Read surface trust · amendments · 706 · beneficiary forms · illustrations
Behaviour 02

Reconciles across instruments.

Trust vs. will vs. beneficiary forms vs. tax return. Contradictions are raised; we don't pick a side, we show both.

Output contradiction set with both sources preserved
Behaviour 03

Scores findings by severity and dollar impact.

Every finding carries a severity, a dollar exposure, a citation to the source text, and a confidence score. Nothing unsupported.

Ranks Critical · Material · Notable · Informational
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 — reused unchanged in the portal.

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 structure in /retention, /revenue, /lead-gen, /scale, and the portal.

Next step

See what your book hasn't been told.

Bring one real trust. We'll walk a working finding set end-to-end in under thirty minutes.

Book a Demo See all four outcomes