The SLAT Unwind Race.
What advisors are finding inside the SLATs funded in the 2024-25 sprint — and which unwinds age badly in front of a reviewer twelve months later.
28 Mar 202612 min
Post-BBB planning, plan-review methodology, and the category in motion.
The sunset-race is over. The planning that was rushed into 2024 and 2025 now looks over-committed for the next decade of clients. A long read on the new baseline — and the three moves that age well after permanence.
What advisors are finding inside the SLATs funded in the 2024-25 sprint — and which unwinds age badly in front of a reviewer twelve months later.
Pre-ATRA formula language inside a post-ATRA exemption regime. A worked example and the review checklist behind the finding.
Retention, revenue, lead-gen, scale. The frame the product is built around — and why there isn't a fifth outcome worth listing.
Briefs in progress — available soon.
Benchmark runs against synthetic client files. The same four deliverables an advisor would see in the portal — with the prospect data invented and the disclaimers real.
Retired physician, $8.4M estate, revocable trust from 2014 with a pre-ATRA formula clause. Portability never elected on first spouse.
Second-generation family business, $38M gross, ILIT funded through a family LLC. Valuation discounts never applied; buy-sell out of date.
Blended family, $3.2M estate, plain-vanilla documents. The kind of file that looks fine on the surface — and has one finding you want to catch.