Outcome · 02

Revenue.

Surfaces the cross-sell opportunities already sitting in the plans you have.

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

Opportunity hides in documents nobody reads twice.

Valuation discounts were never applied to the buy-sell. A gifting strategy was drafted in 2019 and never funded. An insurance illustration quietly diverged from the ILIT's funding assumption.
The book you already have

The cross-sell most advisors want is the one their existing clients have already paid an attorney to set up — and then never finished using.

Revenue here isn't lead-gen. It's activation on plans you are already managing.

Every unfunded strategy is an unearned fee waiting to be surfaced.

How SC surfaces it

Three behaviours. Each earns its keep.

Not every opportunity fires. Triggers must be met by the plan's own facts.

Behaviour 01

Reads the actual documents.

Trusts, buy-sells, illustrations, K-1s, shareholder agreements. The signal for cross-sell is in the instrument, not a questionnaire.

Read surface trust · buy-sell · K-1 · illustration · beneficiary forms
Behaviour 02

Applies a 20-strategy library with triggers.

SLAT, GRAT, ILIT, QSBS stacking, Roth conversion, §754, Connelly, charitable remainder — each strategy shows only when its trigger conditions are met.

Output triggered strategies with applicability criteria
Behaviour 03

Attaches a dollar-impact estimate.

Every opportunity carries a modeled revenue or tax impact, labeled Projected, so the advisor can prioritize by where the money actually is.

Ranks by modeled dollar exposure · labeled Projected
A sample finding

One card. The opportunity, the math, the next step.

Same canonical finding card, reused. Severity and domain shift. Confidence and citation travel with every number.

Notable · Business · Valuation · Finding F-11

Closely-held interest transferred at NAV with no discount applied.

A 2023 gift of a 22% interest in a family LLC was documented at net asset value. No discount for lack of marketability or lack of control was taken. Appraisal on file supports a combined discount range of 28%–34%.

What we know

2023 gift tax return · Form 709 line 3 — reported value $2,640,000. Appraisal dated Jan 2023 supports DLOM 14% + DLOC 18%. Client used $2.64M of lifetime exemption.

What we don't know

Whether an amended 709 is viable inside the statute of limitations. Whether the appraiser's scope covered the minority interest specifically or only the full entity.

Recommended next step

Evaluate an amended 709 applying a combined discount — projected exemption restored: $740K–$900K.

Modeled on the 28%–34% discount band in the existing appraisal. Labeled Projected. Would require engagement with the CPA of record and an updated appraisal letter.
ConfidenceMedium · 74%
LowMediumHigh
Citations

Reusable component. Finding card (artifact № 02). Same structure, different severity dot and domain tag.

Next step

Mine the book you already have.

Bring one real trust or buy-sell. We'll show you what's triggered — and what it's worth.

Book a Demo See all four outcomes