Lincoln Park Private Wealth — Internal Operations

Phase	Owner	Timeline	Key Action
Engagement Setup	Brandon	Day 0	CRM record, drive folder, kickoff Slack
Intake & Documents	Brandon	Day 0–1	Send intake form, collect docs, confirm complete
Data Prep & Prompt	Analyst	Day 1–2	Fill master prompt with client data
Report Generation	Analyst	Day 2	Run Claude, export HTML/PDF
QA Review	Analyst	Day 3	Full checklist, resolve issues
Advisor Sign-Off	Gregg Ryan	Day 4	5-min review, approve in Slack
Deliver to Client	Brandon	Day 5	Email FINAL PDF, update CRM, schedule debrief

Revenue target: 20 module clients/month + 5 full Family CFO enrollments/month = $330,000/month in new revenue at steady state.

What Is the CTAP?

Comprehensive Tax Acceleration Plan — Cornell Capital Holdings proprietary deliverable

The CTAP is a complete, print-ready tax optimization report containing 6–11 fully resolved tax findings — not previews, not teasers. The client has paid for this. Every applicable finding gets a complete resolution strategy, implementation sequence, and CPA coordination note.

This is the paid deliverable. The Free Look™ (used in sales) shows the client their gaps without solutions. The CTAP delivers everything — the full resolution for every finding.

What the CTAP Contains

1

Cover Page
Full-page dark navy cover with client name, entity type, state, tax year, 4–5 key metric cards, and a total estimated savings range in bold.
2

Executive Summary
Total estimated annual tax reduction range banner. Three priority callout cards (top strategies). Time-sensitivity callout for near-term deadlines.
3

Client Snapshot
Full data table of all key figures — income, taxes, deductions, carryforwards, entity details, retirement plan status.
4

Visual Dashboard
Six Chart.js visualizations: tax composition doughnut, 5-year history bar, savings-per-strategy horizontal bar, scenario comparison, client-specific chart, income waterfall.
5

Full Strategy Sections
Every applicable strategy with: what it is, why it applies (client's actual numbers), implementation steps, who executes it, deadline. Strategies evaluated: S-corp comp, defined benefit plan, Solo 401k, QBI, cost segregation, REPS, Augusta Rule, HRA/HSA, charitable giving, entity restructuring, tax loss harvesting, portfolio tax efficiency (10-part framework), and more.
6

Implementation Roadmap + Projections
Priority ranking table with savings range, deadlines, and owners. Conservative / Base Case / Full Implementation scenarios.
7

30-Day Next Steps
5 numbered action items with urgency badge, deadline, and specific description of exactly what to do.
8

IAA Teaser Page (Upsell)
Final locked page introducing the IAA as the natural next step. Shows client's three IAA scores, income projection table, 10-year lost income figure. No implementation detail — creates curiosity. Introduced verbally at delivery meeting.

5-Business-Day Commitment: Day 0 = intake sent. Day 5 = delivery. The advisor's only required touchpoint is a 5-minute sign-off on Day 4. Everything else is owned by the team.

1

Phase 1 — Engagement Setup

Brandon · Day 0

1.1

Create CRM Record
Engagement type = "CTAP." Status = "Intake Pending." Assign Client Services rep.
CRMDay 0
1.2

Create Drive Folder
Path: /CTAP Engagements/[Year]/[Client Last, First]. Four subfolders: Intake Form · Documents · Report Drafts · Delivered.
Drive
1.3

Post Kickoff in Slack #ctap-engagements
Use template below. Tag assigned analyst. This is the official handoff signal.

Slack Kickoff Template

🟦 *NEW CTAP ENGAGEMENT* Client: [Full Name] Advisor: [Advisor Name] Intake sent: [Date] Doc deadline: [Date + 1 business day] Drive folder: [Link] CRM record: [Link] @[Analyst Name] — you're assigned. Docs expected by [deadline]. Ping me if anything is missing.

⚠ Gate 1 — Before Sending Intake to Client

CRM record created with type = CTAP, status = Intake Pending
Drive folder created with all four subfolders
Slack kickoff posted and analyst tagged
Advisor confirmed client has agreed to the engagement

2

Phase 2 — Intake & Document Collection

Brandon · Day 0–1

Send the CTAP Client Intake Form and document checklist. A complete CTAP can be produced from statements alone (docs 1–2). Documents 4–7 meaningfully improve finding depth.

Priority	Document	What It Drives
1 ★	All brokerage statements — most recent month-end	Holdings, cost basis, income YTD, account structure
2 ★	All retirement account statements — most recent	Pre-tax balance, Roth balance, fund detail
3 ★	Intake questionnaire (if no statements available)	Minimum viable data set
4	Prior year 1099-DIV, 1099-B, 1099-INT	Realized gains, dividends, foreign tax paid
5	Most recent Form 1040 — pages 1 and 2 only	Confirms AGI, bracket, filing status, carryforwards
6	Current investment advisory agreement	Fee structure, account types, termination terms
7	Schedule D — prior year	Loss carryforward confirmation
8	Business return (if applicable)	Entity type, QBI eligibility, compensation structure

Data quality estimate: Statements only (docs 1–2) → 4–6 findings. Full package (docs 1–7) → 8–11 findings. Questionnaire only → 3–5 findings.

3

Phase 3 — Data Prep & Report Generation

Analyst · Day 1–2

3.1

Review & Organize All Documents
Open every document. Extract all key figures into the data prep sheet. File naming: [LastName]_[DocType]_[Year] in the /Documents subfolder.
3.2

Fill the Master Prompt
Open the CTAP Master Prompt (see Prompts tab). Replace every bracketed field. Do not leave any bracket unfilled — write "unknown — use [assumption] and flag" for missing fields. Attach all available documents.
Never leave brackets in the prompt
3.3

Run Prompt in Claude (Sonnet 4.6 or Opus 4.6)
Paste the filled prompt into Claude. Attach documents. Wait for full output. If report is truncated, reply: "Please continue from [section name], maintaining the same HTML format and design."
3.4

Export to PDF
Copy the HTML output. Open in Chrome browser. Press Cmd+P / Ctrl+P → Save as PDF. Save as [LastName]_CTAP_[MonYYYY]_DRAFT.pdf in Drive /Report Drafts.

4

Phase 4 — QA Review

Analyst · Day 3

Run the full QA checklist before advisor review. Fix minor text errors by returning to Claude. For structural issues, regenerate the full report.

Cover page shows correct client name, entity type, state, tax year
Required
All bracketed fields replaced — no [placeholders] remain
Required
Savings range on cover matches Executive Summary totals
Required
All Chart.js charts render correctly — no blank/broken charts
Required
Every strategy section includes savings badge, implementation steps, owner, and deadline
Required
CPA coordination brief is clean enough to forward without editing
Required
IAA teaser page is present as the final section
Required
30-Day Next Steps section contains 5 action items with urgency badges
Required
Disclaimer section present and complete
Required
No client data from a different client appears anywhere
Required
PDF renders correctly — no cut-off sections on print
Required
All savings estimates expressed as ranges, never single-point
Preferred
Blue info callouts used for all assumptions or missing data
Preferred

Once QA complete: rename to [LastName]_CTAP_[MonYYYY]_REVIEW.pdf. Post Slack notification (see template in Phase 5).

5

Phase 5 — Advisor Sign-Off

Gregg · Day 4 · 5 min

Gregg reviews the REVIEW PDF and replies in Slack: "Approved — deliver as is" or "Hold — [specific change]." Do not interpret silence as approval. Follow up after 24 hours.

Slack — Report Ready for Advisor Review

✅ *CTAP READY FOR REVIEW* Client: [Full Name] Report: [Drive link to REVIEW PDF] Est. Total Savings Range: $[Low] – $[High] Top 3 Strategies: [Strategy 1], [Strategy 2], [Strategy 3] QA: Complete — [any notes worth flagging] ⏱ Delivery scheduled: [Date]. Please approve or flag changes by [Date - 1 business day].

6

Phase 6 — Delivery & CRM Close

Brandon · Day 5

Subject: Your Comprehensive Tax Acceleration Plan Is Ready

Hi [First Name],

Your Comprehensive Tax Acceleration Plan is attached.

The report walks through your current tax structure, identifies every applicable savings opportunity, and provides a specific implementation roadmap. The strategies are sequenced by impact and deadline — the most time-sensitive items are flagged clearly.

[Advisor Name] will be reaching out shortly to walk through the findings with you and discuss next steps. In the meantime, if you have any questions about the report itself, feel free to reply here.

[Your Name]
Lincoln Park Private Wealth
[Phone] | [Email]

After delivery: Update all CRM fields. Create advisor follow-up task (debrief call, due 2 business days after delivery). Post completion in #ctap-engagements Slack.

CTAP Client Intake Checklist

Send to client with the intake form. Required items are needed for a complete report. Recommended items improve finding depth.

Business & Entity Documents

Business tax return — most recent year (1120-S / 1065 / Schedule C)
Required
Current-year P&L and balance sheet
Required
Owner W-2 and payroll summary
Required
Entity formation documents (operating agreement, S-corp election)
Recommended
Existing retirement plan documents
Recommended

Personal Tax Documents

Federal tax return — most recent year (1040 + all schedules)
Required
Federal tax return — year prior
Recommended
1099-DIV and 1099-B from prior year
Recommended
Schedule D — prior year (loss carryforward confirmation)
Recommended

Investment & Real Estate

Brokerage / investment statements — most recent month-end (all taxable accounts)
Required
Retirement account statements — most recent (IRA, 401k, etc.)
Required
Current investment holdings detail (positions, cost basis, unrealized gain/loss)
Recommended
Current investment advisory agreement (if managed account)
Recommended
Real estate depreciation schedules (if applicable)
Recommended

How to use: Copy the full prompt below. Replace every [bracketed field] with the client's actual data. Attach documents. Submit to Claude (Sonnet 4.6 or Opus 4.6). Do not leave any bracket unfilled — write "unknown — use [assumption] and flag" for missing fields.

Full Prompt (v2.0)

Quick-Use Version

CTAP Master Prompt v2.0 — Cornell Capital Holdings

You are a senior tax strategist at Cornell Capital Holdings producing a complete, paid Capital Transition & Acceleration Plan (CTAP) for a client. This is a full engagement deliverable — not a preview. Every applicable finding receives a complete resolution strategy, implementation sequence, and CPA coordination note. Nothing is withheld or locked. The client has paid for this. The CTAP is a TAX-FIRST capital transition roadmap. It is not an investment performance review and does not recommend specific securities, funds, or financial products by name. It identifies every structural tax inefficiency, sequences the resolution of each finding in the optimal order, and prepares the client and their CPA to execute. The final section of the report is a locked "What's Next" IAA teaser page — a full dark navy page that introduces the Income Architecture Audit as the natural next question after the CTAP is delivered. It shows the client's three IAA scores (Freedom Index™, Capital Velocity Score™, Annual Income Gap), a brief income projection table, the 10-year lost income opportunity number, and a single closing line. It contains no implementation detail. It creates curiosity, not a pitch. --- CLIENT INFORMATION Client name: [Full name] Filing status: [Single / MFJ / MFS / HOH] Age: [Age] Spouse age (if applicable): [Age or N/A] State of residence: [State] Estimated marginal federal tax rate: [% or "estimate from income"] Estimated state income tax rate: [% or "estimate from state"] Target retirement / financial independence year: [Year or "unknown"] Target lifestyle income (annual): $[Amount or "unknown — use $X as assumption"] Years to RMD age (73): [Number or "already in RMD"] PORTFOLIO OVERVIEW Total investable assets: $[Amount] Taxable brokerage / personal accounts: $[Amount or N/A] Traditional IRA / 401(k) / tax-deferred: $[Amount or N/A] Roth IRA / Roth 401(k): $[Amount or N/A] Cash / money market / savings deposits: $[Amount or N/A] Alternative investments: $[Amount / description or N/A] BUSINESS PROFILE (if applicable) Entity type: [S-Corp / LLC / C-Corp / Sole Prop / Partnership / Multiple entities / N/A] Year entity formed / S-corp election date: [Year or N/A] Industry: [Industry] Gross revenue (current year est.): $[Amount] Gross revenue (last year): $[Amount] Net business income (current year est.): $[Amount] Owner W-2 compensation (current year): $[Amount] Shareholder distributions (current year): $[Amount] Number of W-2 employees (non-owner): [Number] Annual payroll (non-owner W-2s): $[Amount] Business owns real estate? [Yes / No] PERSONAL INCOME PROFILE Total estimated gross income this year: $[Amount] W-2 income (if separate from business): $[Amount] Investment / capital gains income: $[Amount] Rental income (gross): $[Amount] Other income sources: [Describe or N/A] REAL ESTATE HOLDINGS Number of properties owned: [Number or N/A] Property types: [Residential rental / Commercial / Short-term rental / Primary / Vacation] Approximate value of rental properties: $[Total or N/A] Has a cost segregation study been done? [Yes / No / Unknown] Hours managing real estate per year (owner + spouse): [Hours or unknown] Has REPS election been made previously? [Yes / No / Unknown] RETIREMENT & BENEFITS Current retirement plan in place? [Yes — describe type / No] Current annual retirement contribution: $[Amount or none] HSA in place? [Yes / No] HRA or health plan through business? [Yes / No / Unknown] INVESTMENTS & WEALTH Taxable brokerage accounts? [Yes / No] Approximate value of taxable accounts: $[Amount or N/A] Approximate value of tax-deferred accounts: $[Amount or N/A] Approximate value of tax-free accounts (Roth): $[Amount or N/A] Total investable assets (all accounts): $[Amount or N/A] Current custodian(s): [Schwab / Fidelity / Vanguard / Edward Jones / Merrill / Other] Who currently manages the portfolio? [Self-directed / Wirehouse / Independent RIA / Other] Approximate current advisory fee (if any): [% or unknown] Unrealized gains in taxable accounts (estimated): $[Amount or unknown] Unrealized losses in taxable accounts (estimated): $[Amount or unknown] Capital loss carryforward (from prior returns): $[Amount or none] Do you know what funds/holdings are in the taxable account? [Yes — describe / No / Unknown] Concentrated positions (>10% of portfolio in one stock)? [Yes — describe / No] Low-basis inherited or long-held positions? [Yes — describe / No] Estimated annual dividends/interest from taxable accounts: $[Amount or unknown] Charitable giving — annual amount: $[Amount or none] Donor-advised fund in place? [Yes / No] Trust structures in place? [Yes / No / Unknown] Life insurance (business-owned or personal)? [Yes / No / Unknown] PRIOR PLANNING Has this client done proactive tax planning before? [Yes — describe / No / Unknown] Current CPA firm: [Firm name or unknown] Any strategies already implemented this year? [Describe or none] Any strategies previously considered and declined? [Describe or none] DOCUMENTS ATTACHED: [List all attached documents or "None — build from data above only"] --- OUTPUT INSTRUCTIONS Produce the complete CTAP as a single self-contained HTML artifact using Chart.js for all charts. Required report structure: 1. Cover Page — dark navy (#0d2b4e), client name, entity, state, tax year, 4–5 metric cards, savings range callout, footer 2. Table of Contents (class="no-print") 3. Executive Summary — savings banner, 3 priority cards, time-sensitivity callout 4. Client Snapshot — full data table of all key figures 5. Visual Dashboard — 6 Chart.js charts (tax composition, 5-yr history, savings per strategy, scenario comparison, client-specific chart, income waterfall) 6. Strategy Sections — all applicable strategies (S-corp comp, DB/cash balance plan, Solo 401k, QBI, cost segregation, REPS, Augusta Rule, HRA/HSA, charitable/DAF, entity restructuring, tax loss harvesting, full 10-part portfolio tax efficiency framework, any additional strategies from documents) 7. Implementation Roadmap — priority ranking table, 3-scenario projections 8. 30-Day Next Steps — 5 action items with urgency badges and deadlines 9. Disclaimer 10. IAA Teaser Page — final locked dark navy page Color palette: Navy #0d2b4e · Blue #185FA5 · Teal #0F6E56 · Amber #BA7517 · Red #A32D2D · Green #3B6D11 Chart.js CDN: https://cdnjs.cloudflare.com/ajax/libs/Chart.js/4.4.1/chart.umd.js

CTAP Quick-Use Version — For Fast Preliminary Analysis

You are a senior tax strategist at Cornell Capital Holdings. Build a complete CTAP tax strategy plan for the following client, delivered as a single print-ready HTML artifact with a cover page, table of contents, visual dashboard with Chart.js charts, full strategy sections, implementation roadmap, 30-day next steps, and disclaimer. The cover page should show "Prepared by Cornell Capital Holdings / Lincoln Park Private Wealth." Client: [Name] | Filing status: [MFJ/Single] | State: [State] | Age: [Age] Entity: [Type] | Industry: [Industry] | Revenue: $[Amount] | Net income: $[Amount] Owner W-2: $[Amount] | Distributions: $[Amount] | Employees: [Number] Real estate: [Yes/No — describe briefly] | Retirement plan: [Current plan or none] Prior planning: [Yes — describe / No] | Marginal rate: [%] | Documents attached: [Yes/No] Evaluate all applicable strategies: S-corp comp optimization, defined benefit/cash balance plan, Solo 401(k) upgrade, QBI maximization, cost segregation, REPS election, Augusta Rule, HRA/HSA optimization, charitable giving/DAF, entity restructuring, capital loss harvesting, and any additional strategies from the data. For each strategy: what it is, why it applies to this specific client with their actual numbers, dollar impact range, numbered implementation steps, who executes it, and deadline/time-sensitivity. Include six Chart.js visualizations: tax composition doughnut, 5-year tax history bar, strategy savings horizontal bar, scenario comparison, a client-specific chart, and an income waterfall. Color palette: Navy #0d2b4e · Blue #185FA5 · Teal #0F6E56 · Amber #BA7517 · Red #A32D2D · Green #3B6D11 Chart.js CDN: https://cdnjs.cloudflare.com/ajax/libs/Chart.js/4.4.1/chart.umd.js Add a final locked IAA teaser page (dark navy) showing the client's estimated Freedom Index™, Capital Velocity Score™, Annual Income Gap, and 10-year lost opportunity number.

What Is the IAA?

Income Architecture Audit™ — Capital diagnostic for investment portfolio efficiency

The IAA is not a performance review. It is a capital diagnostic. The central thesis: most high-income clients have built wealth but have not engineered income. Their capital is working far below its potential — not because of bad investments, but because their entire strategy is solving the wrong problem. This report makes that visible, quantified, and undeniable.

Three core scores drive the report: Freedom Index™ (passive income ÷ target income), Capital Velocity Score™ (income yield + appreciation ÷ 2), Annual Income Gap (target income minus current passive income).

IAA Report Structure

1
Cover Page
Three IAA score cards (Freedom Index™, Capital Velocity Score™, Annual Income Gap). 10-Year Lost Income Opportunity anchor. Client name, total assets, preparation date.
2
Executive Summary
Plain-English diagnosis of where the portfolio is and what it's costing the client. Not jargon — a mirror showing them what they're leaving on the table.
3
Diagnostic Findings
Every capital inefficiency identified and quantified: fee drag, tax drag, account location mismatches, unrealized loss opportunities, concentration risk, income gap sources.
4
Income Pathway Projection
3-scenario table (Conservative / Base Case / Optimized) showing Year 1, 3, 5, 10 income projections. 10-Year Lost Income Opportunity figure clearly anchored.
5
30-Day Priority Actions
Specific, sequenced action items the client can act on immediately.
6
Disclaimer
Standard language: strategic guidance, not investment advice. All strategies to be reviewed with licensed advisor before implementation.

5-Business-Day Commitment: Day 0 = intake sent. Day 5 = delivery. Ryan's only required touchpoint is a 5–10 minute sign-off on Day 4.

1

Phase 1 — Engagement Setup

Brandon · Day 0

1.1
Create CRM Record
Engagement type = "IAA." Status = "Intake Pending." Assign Client Services rep. Key CRM fields to track: Freedom Index Score, Capital Velocity Score, Annual Income Gap, 10-Year Lost Opportunity (all filled after report generation).
1.2
Create Drive Folder
Path: /IAA Engagements/[Year]/[Client Last, First]. Four subfolders: Intake Form · Documents · Report Drafts · Delivered.
1.3
Post Kickoff in Slack #iaa-engagements

Slack Kickoff Template

🟦 *NEW IAA ENGAGEMENT* Client: [Full Name] Advisor: [Advisor Name] Intake sent: [Date] Doc deadline: [Date + 1 business day] Drive folder: [Link] CRM record: [Link] @[Analyst Name] — you're assigned. Docs expected by [deadline]. Ping me if anything is missing.

2

Phase 2 — Intake & Document Collection

Brandon · Day 0–1

Minimum viable data: Total investable assets, rough account breakdown (taxable / IRA / Roth), and target income. Everything else adds precision. A rough number is more useful than a blank.

If client hasn't provided statements, collect these verbally or by email:

#	Field	Question to Ask
1 ★	Total investable assets	"Roughly, what's the combined value of all your investment and retirement accounts?"
2 ★	Pre-tax retirement balance	"Do you have a 401(k) or traditional IRA? Roughly how much?"
3 ★	Roth balance	"Do you have a Roth IRA or Roth 401(k)? Roughly how much?"
4 ★	Target lifestyle income	"What annual income would you need from investments to fund the life you want?"
5 ★	Current passive income	"About how much do your investments pay you each year — dividends, interest, distributions?"
6	Current advisor and fee	"Who manages your investments, and do you know roughly what you pay them?"
7	Concentrated position	"Do you own a large position in any single stock — more than 10% of your total investments?"
8	Gross income	"Roughly, what's your total household income before taxes?"

3

Phase 3 — Report Generation

Analyst · Day 1–2

3.1
Review & Organize Documents
Extract all key figures. File naming: [LastName]_[DocType]_[Year]. Save to /Documents subfolder.
3.2
Fill the IAA Master Prompt
Open the IAA Master Prompt (see Prompts page). Replace every bracketed field. Attach all available statements and documents.
No brackets left unfilled
3.3
Run in Claude, Export PDF
Submit to Claude. If report truncates: "Please continue from [section], maintaining the same HTML format." Export via Chrome → Print → Save as PDF. Save as [LastName]_IAA_[MonYYYY]_DRAFT.pdf.

4

Phase 4 — QA Review

Analyst · Day 3

All three IAA scores appear on cover page and are mathematically consistent
Required
10-Year Lost Income Opportunity figure present and anchored
Required
3-scenario projection table includes Year 1, 3, 5, and 10
Required
All bracketed fields replaced — no [placeholders] remain
Required
Disclaimer section present and complete
Required
No client data from a different client appears anywhere
Required
PDF renders correctly — no cut-off sections
Required
Report addressed to client by name throughout
Preferred

Slack — Ready for Advisor Review

✅ *IAA READY FOR REVIEW* Client: [Full Name] Report: [Drive link to REVIEW PDF] Freedom Index: [%] Capital Velocity Score: [%] Annual Income Gap: $[Amount] 10-Year Lost Opportunity: $[Amount] QA: Complete — [any notes worth flagging] ⏱ Delivery scheduled: [Date]. Please approve or flag changes by [Date - 1 business day].

5

Phase 5 — Ryan Sign-Off

Ryan · Day 4 · 5–10 min

Ryan reviews the REVIEW PDF — specifically the Executive Summary, all Diagnostic Findings, and the Income Pathway Projection. Checks for: appropriate findings for this specific client, any sensitive findings around concentrated positions, advisory fee analysis, or sequence-of-returns risk.

Reply in Slack: "Approved — deliver as is" or "Hold — [specific change needed]." Silence is not approval. Follow up after 24 hours.

6

Phase 6 — Delivery & CRM Close

Brandon · Day 5

Subject: Your Income Architecture Audit™ Is Ready

Hi [First Name],

Your Income Architecture Audit is attached.

The report walks through your current capital structure, identifies where inefficiency exists and what it's costing you, and shows a clear picture of what optimized deployment could look like over the next 10 years.

[Advisor Name] will be reaching out shortly to walk through the findings with you and discuss next steps. In the meantime, if you have any questions about the report itself, feel free to reply here.

[Your Name]
Lincoln Park Private Wealth
[Phone] | [Email]

After delivery: Update CRM with all four metric fields (Freedom Index, Capital Velocity, Income Gap, 10-Yr Lost Opportunity). Create advisor debrief task due 2 business days after delivery. Post completion in #iaa-engagements.

IAA Client Intake Checklist

Send to client with the IAA intake form. Required items are needed for the full diagnostic. Estimates are acceptable — a rough number is more useful than a blank.

Portfolio Statements

All brokerage / investment statements — most recent month-end (all taxable accounts)
Required
All retirement account statements — most recent (IRA, 401k, pension, etc.)
Required
Holdings detail — positions, cost basis, unrealized gain/loss (if available)
Recommended
Current investment advisory agreement (fee structure, account types)
Recommended

Income & Tax Context

1099-DIV and 1099-INT from prior year
Recommended
1099-B (realized gains/losses) from prior year
Recommended
Form 1040 — pages 1 and 2 only (confirms AGI and tax bracket)
Recommended

Key Numbers (if no statements available)

Total investable assets (all accounts combined, rough estimate)
Required
Target annual lifestyle income (what they need from investments)
Required
Current annual passive income (dividends, interest, distributions — estimate OK)
Required
Target retirement / financial independence year
Recommended

How to use: Copy the full prompt below. Replace every [bracketed field] with the client's actual data. Attach all available statements. Submit to Claude (Sonnet 4.6 or Opus 4.6).

IAA Master Prompt v1.0 — Lincoln Park Private Wealth

You are a senior investment strategist at Lincoln Park Private Wealth building an Income Architecture Audit (IAA) for a client. Your job is to diagnose every form of capital inefficiency, income gap, and structural misalignment in the client's current investment portfolio — then produce a complete, professionally designed, print-ready HTML report delivered as a single self-contained HTML artifact. The IAA is not a performance review. It is a capital diagnostic. The central thesis is: most high-income clients have built wealth but have not engineered income. Their capital is working far below its potential — not because of bad investments, but because their entire strategy is solving the wrong problem. This report makes that visible, quantified, and undeniable. --- CLIENT INFORMATION Client name: [First and last name] Filing status: [Single / MFJ / MFS] Age (owner): [Age] Spouse age (if applicable): [Age or N/A] State of residence: [State] Target lifestyle income (annual): $[Amount — what the client needs/wants from investments] Current passive income (annual, from all sources): $[Amount] Target retirement / financial independence date: [Year or "already retired" or "unknown"] PORTFOLIO OVERVIEW Total investable assets (all accounts): $[Amount] Taxable brokerage value: $[Amount or N/A] IRA / 401(k) / tax-deferred value: $[Amount or N/A] Roth account value: $[Amount or N/A] Cash / money market / CDs: $[Amount or N/A] Real estate equity (investment properties, not primary): $[Amount or N/A] Business equity / private holdings: $[Amount or N/A] Other alternative assets: $[Amount or N/A — describe] CURRENT PORTFOLIO COMPOSITION Primary allocation style: [60/40 / growth-oriented / income-oriented / unknown / describe] Equity allocation (approximate %): [%] Fixed income allocation (approximate %): [%] Cash allocation (approximate %): [%] Alternatives / real assets (approximate %): [%] Estimated current portfolio yield (income / total assets): [% or unknown] Estimated annual income generated by portfolio: $[Amount or unknown] Estimated annual total return (last 3–5 years): [% or unknown] HOLDINGS DETAIL Does client know specific holdings? [Yes — describe / No / Partially] Actively managed mutual funds in taxable accounts? [Yes / No / Unknown] ETFs in taxable accounts? [Yes / No / Unknown] Individual stocks? [Yes / No — if yes, any concentrated positions >10%?] Unrealized gains (estimated): $[Amount or unknown] Unrealized losses (estimated): $[Amount or unknown] Low-basis or inherited positions? [Yes — describe / No] Concentrated single-stock positions? [Yes — describe / No] INCOME PROFILE Annual W-2 or business income (active): $[Amount] Annual passive income — dividends / interest: $[Amount or unknown] Annual passive income — real estate: $[Amount or N/A] Social Security or pension income: $[Amount or N/A] Other passive income: $[Amount or describe or N/A] Gross household income (total): $[Amount] Marginal federal tax rate: [% or estimate from income] ADVISOR & FEE INFORMATION Current advisor / custodian: [Name or unknown] Advisory fee: [% or unknown] Fee paid from: [Taxable account / IRA / Unknown] --- REQUIRED THREE SCORES — Calculate and display prominently: 1. Freedom Index™ = Current annual passive income ÷ Target lifestyle income × 100 = [X]% 2. Capital Velocity Score™ = (Portfolio yield % + estimated annual appreciation %) ÷ 2 = [X]% 3. Annual Income Gap = Target lifestyle income - Current annual passive income = $[Amount] 4. 10-Year Lost Income Opportunity = Annual Income Gap × 10 (simple) or present-value calculation = $[Amount] OUTPUT: Single self-contained HTML artifact, fully printable to PDF via Cmd+P/Ctrl+P in Chrome. Required sections: 1. Cover Page — dark navy (#0d2b4e), three score cards prominently displayed, 10-year Lost Opportunity anchored, client name and total assets 2. Executive Summary — plain-English diagnosis, what the portfolio is doing vs. what it could be doing 3. Diagnostic Findings — every capital inefficiency quantified (fee drag, tax drag, location mismatches, concentration risk, unrealized losses unharvested, income gap sources) 4. Income Pathway Projection — 3-scenario table (Conservative / Base Case / Optimized) × Year 1, 3, 5, 10 5. 30-Day Priority Actions — 5 items, specific, sequenced 6. Disclaimer Color palette: Navy #0d2b4e · Blue #185FA5 · Teal #0F6E56 · Amber #BA7517 · Red #A32D2D · Green #3B6D11 Chart.js CDN: https://cdnjs.cloudflare.com/ajax/libs/Chart.js/4.4.1/chart.umd.js TONE: Write directly to the client. Lead every finding with the dollar cost — never the definition. Reference the client's actual numbers throughout. Every section should answer: "What is this costing you, and what would it look like if it were fixed?"

What Is ValueCompass

Business + Personal Offer

SOP & Workflow

Discovery Checklist

The core insight: On average, a business represents 80% of an owner's net worth — yet most owners treat it as an afterthought when it comes to professional management. The ValueCompass changes that.

Your Business Is Your Most Valuable Asset. Manage It Like One.

The foundational shift that drives everything we do with business owner clients

Most business owners understand their liquid assets along five dimensions — yet they only understand their business along one. Understanding your business as an asset is the crucial first step to extracting maximum value from your most important financial resource, from startup all the way through exit.

The 5 Dimensions of an Asset — Where Businesses Fall Short

#	Dimension	Description	Business Owners Typically...
1	Income Production	Asset has the ability to produce income, which is easily measured	✓ Understand this
2	Monetary Value Known	Monetary value can be understood in relation to similar assets in a given marketplace	Often unclear
3	Marketability Known	Ability to sell the asset in its given marketplace is understood	Often unclear
4	Tied to Personal Financial Goals	Asset is aligned with owner's personal financial goals and integrated into their personal financial plan	Rarely done
5	Current & Future Benefits Quantifiable	Benefits of the asset to the owner are understood in terms of how they serve the owner's unique needs now and into the future	Rarely done

The ValueCompass unlocks all 5 dimensions — turning a business from something the owner merely runs into a fully understood, actively managed asset that works for them across income, value, marketability, personal alignment, and future benefit.

What Is the ValueCompass?

Business Consulting System — For business owners whose company is their largest asset

The ValueCompass is a structured business financial diagnostic scoring 18 value drivers across Market, Operational, and Financial categories. It produces an Exit Readiness Score™, identifies the largest value gaps, and delivers a 90-day priority action plan to close them.

Target client: Business owners, $2M–$20M+ net worth, whose business equity represents their largest single asset. Best positioned after or alongside the CTAP or IAA — the three together create a complete Family CFO picture for the business owner who has never had their business truly managed like the asset it is.

The 1% Rule

If you'd spend 1% to manage your liquid assets — why wouldn't you do the same for your most valuable one?

The 1% Rule is an incredibly simple budgeting strategy that diligent owners use when investing in the growth of their business. It goes as follows: 1% of a business's Enterprise Value should be spent closing the Value Gap between Enterprise Value and Potential Value.

Knowing how much to invest in professional services that grow your business's value shouldn't be a guessing game. Just as you would spend a percentage of a liquid asset to have someone manage it, you should similarly spend a percentage on your most valuable asset — to grow it, manage it, and protect it.

Enterprise Value Example

Business EV: $3,000,000

Potential Value: $4,500,000

Value Gap: $1,500,000

1% of EV Budget: $30,000

The 1% investment to close a $1.5M value gap — a straightforward case for engagement.

"If I'm willing to spend 1% for a professional to help me grow, manage, and protect my liquid assets — which tend to be significantly smaller than my most important asset — why wouldn't I do it for my business?"

— Chuck Richards, CEO, ValuCompass

How We Quantify Enterprise Value, Potential Value & the Value Gap

The Discover Assessment is the foundation of the ValueCompass engagement — a 15-minute diagnostic that assesses the business along its 18 Drivers and quantifies three critical numbers:

Enterprise Value

What It's Worth Now

What the business is currently worth after assessment across all 18 Value Drivers

Potential Value

What It Could Be Worth

The price the business could command if it satisfied all 18 Value Drivers at their peak

Value Gap

What's Being Left Behind

Simply the difference between Enterprise Value and Potential Value — the gap the 1% Rule is designed to close

Once these three numbers are known, the conversation becomes concrete: here's what your business is worth, here's what it could be worth, here's the gap, and here's the investment required to close it. The 1% Rule makes the engagement fee a business decision, not a personal expense.

18 Value Drivers — Assessed in the Discovery

Market Drivers

Growth
Large Potential Market
Dominant Market Share
Recurring Revenue
Barriers to Entry
Product Differentiation
Brand

Operational Drivers

Company Overview
Financial
Sales & Marketing
Operations
Customer Satisfaction
Senior Management

Financial & Exit

Exit Readiness Score™
Cash Flow Architecture
Profit Optimization
Owner Income Strategy
Entity Structure

From Startup to Exit — When This Matters Most

Understanding the business as an asset is not just an exit planning exercise. It applies at every stage of the business lifecycle — and particularly at key inflection points:

→

Growth Stage
Understanding which of the 18 Value Drivers to invest in next. The 1% Rule makes the allocation decision simple and defensible.
→

Ownership Transition
Whether bringing in a partner, key employee, or outside investor — knowing the Enterprise Value and Potential Value is non-negotiable for a fair and credible process.
→

Pre-Exit Planning
Most business owners undervalue or mistime their exit because they've never objectively scored their business. The ValueCompass closes that gap — often years before the actual transaction — so the owner can maximize the outcome.
→

Personal Financial Integration
When the business represents 80% of net worth, the personal financial plan is incomplete without it. The Protect Assessment aligns the business's current and future benefits directly with the owner's personal financial goals.

The Core Offer — For Business Owner Clients

Most advisors work on your business or your personal finances.
We build both sides of the plan — at the same time.

Your business is your largest asset. Your personal financial plan is the destination. We build the bridge between the two simultaneously — so every decision on the business side is informed by where you're trying to go personally, and every move on the personal side accounts for what your business is actually worth and where it's headed.

Why the Dual-Track Matters — The Problem We're Solving

What Most Business Owners Experience

Business and personal finances managed in separate silos
CPA optimizes taxes without knowing the investment picture
Financial advisor manages the portfolio without understanding the business's exit timeline or value
Owner has no single view of their full balance sheet
Personal plan assumes a business exit value that's never been validated
Business decisions made without understanding personal financial consequences — and vice versa

What We Do Differently

Both sides of the balance sheet mapped and connected from day one
Business value quantified — Enterprise Value, Potential Value, Value Gap
Personal plan built around a validated business exit assumption
Tax strategy informed by both business structure and personal portfolio
Investment architecture built around the income the business will eventually stop producing
One blueprint. Every advisor on the same page.

How to Frame It in the Room

The Opening Reframe

Use this to establish the dual-track frame before anything else

"Most of the time when a business owner comes to us, they've got two things going on that nobody's ever connected. There's the business — which is probably your most valuable asset — and there's everything else. Your investments, your retirement accounts, your tax situation, your personal income. Two worlds. Totally separate."

"The problem with that is: every decision you make in one world affects the other. How you structure compensation in the business affects your personal tax rate. Your exit timeline affects how your investment portfolio should be positioned right now. What your business is actually worth determines whether your personal plan is even realistic."

"What we do — and what most people have never had done for them — is run both sides of that picture at the same time. We score your business as a financial asset, we map your personal financial picture, and we build one plan that connects the two. So you stop making decisions in a vacuum."

The Two Tracks — What's Happening in Parallel

Track One

The Business

→ Discover Assessment — score the business across 18 Value Drivers
→ Enterprise Value established — what the business is actually worth today
→ Potential Value & Value Gap — what it could be worth, and the gap to close
→ Exit Readiness Score™ — how sellable is the business, and what needs to change
→ Cash Flow Architecture — owner compensation, distributions, profit optimization
→ 90-Day Priority Plan — exactly where to invest first to move the value

Track Two

The Personal Plan

→ Tax Posture Mapped — full picture of what you're paying and where the drag is
→ Freedom Index™ — how close are you to financial independence right now
→ Annual Income Gap — the distance between where your capital is and where it needs to be
→ Capital Velocity Score™ — is your money working as hard as it should be
→ Tax Strategy — every structural inefficiency identified and sequenced for resolution
→ 90-Day Priority Plan — the highest-leverage personal financial moves, sequenced

Where the Two Tracks Connect

One Blueprint. Both Sides of the Balance Sheet. Every Advisor on the Same Page.

The personal plan is built around a validated business exit assumption — not a guess. The business plan is built with full visibility into where the owner personally needs to land. The tax strategy spans both. The investment architecture accounts for the income the business will eventually stop producing. Nothing is siloed.

The Questions That Connect the Two Tracks

Use These to Show the Integration Gap in the Conversation

Most prospects have never been asked these. Each one exposes a silo. Listen for the pause.

?

"Do you know what your business is actually worth — not what you think it's worth, but what someone would pay for it today?"

Opens the Enterprise Value conversation. Most owners have a number in their head with no data behind it. This exposes the gap between perception and reality — and makes the case for the Discover Assessment.
?

"If you sold the business tomorrow at the number you have in mind — would your personal plan actually work?"

This is the existential question. If the answer is "I'm not sure" or "I think so," you've just identified the exact problem we solve. The personal plan has been built on an unvalidated assumption.
?

"When your CPA works on your taxes, how much does your investment advisor know about what's being done — and vice versa?"

Exposes the silo. The answer is almost always: very little. This is where you introduce the Family CFO concept — someone who sits above all of them and runs the architecture.
?

"What's your plan for replacing the income your business pays you — after you exit?"

Most owners haven't thought through this concretely. The business is the income engine. The personal investment portfolio needs to be engineered to replace it. If it hasn't been, that's the Income Gap — and it's exactly what the IAA surfaces.
?

"Has anyone ever put both sides — your business and your personal finances — on one page at the same time?"

Almost always: no. This is your close. "That's exactly what we do. And it changes everything about how you make decisions going forward."

The Prescription Close

After the Questions — How to Prescribe the Path

One path. Don't offer options. Close on timing, not interest.

"Here's what I'd recommend as the starting point. We're going to run both sides of this picture in parallel. On the business side, we do the ValueCompass — 18 Value Drivers, Exit Readiness Score, and a 90-day plan to start closing the gap between what your business is worth today and what it could be worth. On the personal side, we run the tax diagnostic and the investment audit — so we know exactly where you stand personally and what needs to move."

"When we're done, you'll have something most business owners have never had: a single, connected picture of both sides of your balance sheet — what your business needs to do, what your personal capital needs to do, and how those two things work together toward the same finish line."

"The question isn't whether this is worth doing. The question is: how much longer do you want to keep making decisions without this picture in front of you?"

Hormozi rule: Prescribe one path — not a menu of options. If they ask about doing just one piece, redirect: "We could, but you'd still be making decisions on one side without visibility into the other. The whole point is the connection. Let's do it right."

Objections Specific to the Dual-Track

"I already have a financial advisor handling the personal side."

Translation: They don't see the gap between having an advisor and having an integrated plan.

Response: "Good — that's part of the picture. But does your advisor know what your business is worth? Do they know your exit timeline is three years out, not ten? Do they know what your compensation structure is doing to your personal tax rate? That's the gap. We don't replace your advisor — we give everyone the architecture to work from."

"Can we just start with the business side for now?"

Translation: They want to scope-creep down. Don't let them.

Response: "We can — but here's the problem with that. The business plan we build will make assumptions about your personal situation. Your target exit number, your income replacement goal, your timeline. If we don't actually know those numbers, we're building the business plan on a guess. The two have to talk to each other. That's the whole point."

"We're not thinking about exit anytime soon."

Translation: They're underweighting what the business is worth to them right now — not just at exit.

Response: "Exit is one piece of it — but it's not the whole picture. Right now, your business is the engine producing your income, your lifestyle, your ability to invest. We're scoring it to make sure it's running as efficiently as possible and building value along the way — whether you sell in two years or twenty. The exit just makes the stakes more visible."

What the Client Walks Away With

The Single-Blueprint Deliverable

This is how you describe the end state — what they're buying

Business Side Deliverables

ValueCompass Blueprint — scored across all 18 drivers
Enterprise Value, Potential Value, and Value Gap in writing
Exit Readiness Score™ with specific improvement roadmap
Cash flow and compensation optimization findings
90-Day Priority Action Plan — business value drivers

Personal Side Deliverables

CTAP — complete tax strategy with every finding resolved
IAA — Freedom Index™, Capital Velocity Score™, Income Gap
10-Year Lost Income Opportunity number
3-scenario income projection (Conservative / Base / Optimized)
90-Day Priority Action Plan — personal capital moves

The Integrated Output

A Wealth Rewired™ Blueprint — your complete financial picture, both sides, one document. What the business needs to do. What your personal capital needs to do. How they connect. What moves first.

Delivery timeline: 7 business days from intake to delivery. Gregg and Ryan co-review. Brandon owns client experience. All implementation goes to the team.

Pricing conversation: ValueCompass is priced using the 1% Rule — 1% of the business's Enterprise Value. Before quoting a number, run the Discover Assessment to establish Enterprise Value. The fee becomes a business investment decision, not a personal expense. Example: a $3M Enterprise Value business → ~$30,000 engagement fee to begin closing the Value Gap.

1

Phase 1 — Engagement Setup & Intake

Brandon · Day 0

1.1
Create CRM Record
Engagement type = "ValueCompass." Status = "Intake Pending." Drive folder: /ValueCompass/[Year]/[Client Last, First]. Log Enterprise Value, Potential Value, and Value Gap once known — these fields drive the 1% Rule fee calculation.
1.2
Send Discovery Assessment & Establish the 1% Investment
Send the ValuCompass Discover Assessment (18 driver questionnaire). Client rates their business on each driver. This is the primary input for the diagnostic — and the source data for calculating Enterprise Value, Potential Value, and Value Gap. Once those three numbers are established, present the 1% Rule: "Based on your Enterprise Value, the investment to begin closing your Value Gap is [1% of EV]. That's the professional management budget for your most valuable asset."
1% Rule Anchor Point
1.3
Collect Financial Documents
P&L (last 2 years), balance sheet, owner compensation summary, any existing valuations or advisory agreements.

2

Phase 2 — Report Generation

Analyst · Day 2–4

2.1
Score the 18 Drivers
Compile the client's ratings from the discovery assessment. Calculate scores per category and overall Exit Readiness Score™.
2.2
Run Claude — ValueCompass Blueprint
Build the master prompt with all 18 driver scores, financial data, and business context. Generate the ValueCompass Business Blueprint — a complete print-ready HTML report with score visualization, gap analysis, and 90-day priority action plan.
2.3
Export to PDF
Chrome → Print → Save as PDF. File: [LastName]_VC_[MonYYYY]_DRAFT.pdf in Drive /Report Drafts.

3

Phase 3 — Co-Review & Sign-Off

Gregg Ryan · Day 5

Gregg reviews for tax implications of business structure recommendations. Ryan reviews for investment and exit strategy alignment. Both approve in Slack before delivery. Reply: "Approved" or "Hold — [specific change]."

4

Phase 4 — Delivery

Brandon · Day 7

Subject: Your ValueCompass Business Blueprint Is Ready

Hi [First Name],

Your ValueCompass Business Blueprint is attached.

The report does something most business owners have never had done for them: it treats your business as the asset it actually is — likely your most valuable one. Across 18 Value Drivers, we've scored your current Enterprise Value, your Potential Value, and the Value Gap between the two. The 90-day priority plan tells you exactly where to focus to start closing that gap.

Most owners understand their liquid investments along five dimensions. This report begins doing the same for your business — giving you a clear picture of what it's worth, what it could be worth, and how to get there.

[Advisor Name] will walk through the findings with you and your team on our scheduled call. If you have any questions in the meantime, feel free to reach out.

[Your Name]
Lincoln Park Private Wealth
[Phone] | [Email]

Why we start with the Discover Assessment: Before anything else — before fees, before scope, before a second conversation — the client needs to see their Enterprise Value, Potential Value, and Value Gap. Once those three numbers are on the table, the 1% Rule makes the engagement an easy business decision. The assessment is the conversation starter, not the proposal.

ValueCompass Discovery Checklist

Items needed from the business owner before the diagnostic can be run. The Discover Assessment (18 drivers) establishes Enterprise Value, Potential Value, and Value Gap — the foundation for the 1% Rule pricing conversation.

Assessment

Completed ValuCompass Discover Assessment — all 18 drivers rated
Required

Financial Documents

Profit & Loss statement — current year (or most recent 12 months)
Required
Profit & Loss statement — prior year
Recommended
Balance sheet — most recent
Required
Owner compensation summary (W-2, distributions, benefits)
Recommended

Business Context

Entity type and formation date
Required
Number of employees (owner + non-owner W-2s)
Required
Target exit date or "no current exit plan"
Recommended
Any prior business valuations or M&A conversations
Recommended
Existing advisory relationships (accountant, attorney, financial advisor)
Recommended

The Free Look™ Framework

How to show the prospect their gap — without giving the plan away

The Free Look™ is our pre-engagement conversion tool. It's a 1-page preview generated from a surface-level pass of the client's situation — showing them real numbers from their own life, expressed as a cost or gap, but without any strategy or solution.

The rule: Show the problem in their numbers. Withhold the solution. The paid engagement delivers the solution.

Free Look™ by Module

CTAP Free Look™ — Tax Gap Preview

"Based on your profile, we identified approximately $47,000 in likely annual tax drag across three areas. The full Comprehensive Tax Acceleration Plan maps each one and prescribes the exact path to recapture it."

Run a brief surface pass through our diagnostic engine. Share the top 2–3 gaps in dollar terms. No strategies. No solutions. Just the gap.

IAA Free Look™ — Income Gap Preview

"Your current portfolio is generating an estimated 1.8% annual drag versus an optimized structure. The Income Architecture Audit identifies the specific positions, fees, and misalignments driving that — and prescribes the exact rebalancing path."

Run the Capital Velocity Score™ pass. Show the drag percentage and estimated dollar cost. No reallocation strategy. Just the number and what it represents.

ValueCompass Free Look™ — Enterprise Value & Value Gap Preview

"Your business currently scores a 34/100 on Exit Readiness. Based on your 18 Value Driver profile, we estimate your current Enterprise Value at approximately $2.4M — with a Potential Value of $3.8M. That's a $1.4M Value Gap. The three largest drivers pulling that gap open are owner dependency, undocumented systems, and unoptimized entity structure. The ValueCompass Blueprint maps each gap and the 90-day path to begin closing them. And here's the business case: at 1% of your Enterprise Value, the investment to get started is approximately $24,000 — against a potential $1.4M in additional enterprise value. That's the math."

Run a quick 18-driver pass from verbal input. Score the biggest gaps. Show the Enterprise Value, Potential Value, and Value Gap in dollar terms. Then land the 1% Rule: "This is what it costs to professionally manage your most valuable asset." No blueprint. Just the numbers and the 1% framing.

The 1% Rule reframe: "You'd spend 1% a year to have a professional manage your investment portfolio. Your business represents far more of your net worth. Why would you spend less — or nothing — to grow, manage, and protect it?"

The 1% Rule Conversation — For Business Owner Prospects

When presenting the ValueCompass to a business owner, lead with the asset reframe — not the price. The goal is to get them to see their business the way they already see their investment portfolio. Once they do, the 1% fee is self-justifying.

The Reframe Script

"Let me ask you something. Your investment portfolio — you have someone managing that, right? What do you pay them annually, roughly?" [Let them answer.]

"So you're spending about [1% / X%] of those assets to have a professional grow, manage, and protect them. Makes sense — that's a valuable asset and you want it working for you."

"Now — your business represents roughly 80% of your net worth. What's the professional budget for that asset? What do you spend annually specifically to grow its value, manage it as a financial asset, and protect it?" [Most say: very little or nothing.]

"That's the gap. Your most valuable asset has the smallest professional management budget. The ValueCompass is how we fix that. And the investment to start is 1% of your Enterprise Value — the same logic you already use for everything else you own."

What the Free Look™ Is NOT

Never include in a Free Look™: Strategy names, implementation steps, tax code references, specific fund or account recommendations, the full report structure, or anything the client could act on without paying. If they can implement it from the preview, you gave too much.

Conversion Playbook — Warm Lead to Engagement

The 4-Question Flow · Objection Responses · The Hormozi Rule

The single biggest mistake: Explaining how the work gets done instead of what it means for the client. Warm leads don't need a financial education. They need to feel understood and see a clear path forward.

The 4-Question Diagnostic Flow

1

"Walk me through how your finances are currently organized."

Let them talk. Listen for: who manages what, how coordinated (or not) it feels, where the anxiety lives. Do not interrupt or fill silence with explanations.
2

"If you could fix one thing about your financial picture in the next 90 days, what would it be?"

This surfaces the real entry point — taxes, portfolio, business structure. Now you know which module to lead with.
3

"Has anyone ever mapped out all four pillars — investment, tax, protection, and estate — in a single picture for you?"

Almost always the answer is no. That's your opening.
4

"Here's what I'd recommend as a starting point."

Prescribe one thing. One. Not three options. Not a menu. Say: "Based on what you've told me, the highest-leverage starting point is [CTAP / IAA / ValueCompass]. We deliver it in 5 business days. It's $[price], and if you move forward into the full Family CFO program, it applies as a credit. Want to get started?"

The Hormozi Rule

Prescribe. Don't present. A doctor doesn't explain the pharmacology of a medication before prescribing it. They diagnose and prescribe. When you find yourself explaining how an index works, or why we use AI, or what the process looks like — stop. That's not what closes a warm lead. What closes them is a clear diagnosis and a confident prescription.

Objection Responses

"I need to think about it."

Translation: They don't see enough urgency or clarity.

Response: "That makes sense. Let me ask — what would need to be true for this to feel like the right move right now?" Then listen. Address the specific objection (price, trust, timing, or value).

"Can you tell me more about how it works?"

Translation: They're curious, not committed — and about to lead you into a feature dump.

Response: "I'd rather show you than explain it — the best way to understand what we do is to see your own numbers through our lens. That's what the Free Look™ is for. Can we run yours?" Redirect to action, not explanation.

"I already have an advisor / CPA."

Translation: They don't understand that we coordinate advisors, we don't replace them.

Response: "Good — that's exactly what this is designed for. We work alongside your existing team. Most of our clients have a CPA, an attorney, and an investment advisor — we're the architecture layer that connects all three around a single plan. Your CPA doesn't go away. We just make sure everyone's working off the same blueprint."

The rule: Everyone has a lane. Nobody does work that belongs in someone else's lane. Implementation goes to the team — Dana does not touch implementation.

Role Breakdown

Dana

Chief Architect · Sales Lead · Plan Delivery

Sales: Conducts all closing calls until a team member is trained to proficiency. Permanently owns all closing calls for $10M+ net worth clients.
Plan Delivery: Personally delivers all module reports and Family CFO blueprints — walks clients through findings and prescribes next steps — until a team member is trained. Permanently owns delivery for $10M+ clients.
Upgrade Conversations: Because Dana is on the delivery call, he identifies and closes upgrade opportunities (module → full enrollment) in the moment.
Implementation: Does not touch implementation. All implementation goes to the team.
Architecture & QA: Complex case review and final sign-off on non-standard situations.
Trains Gregg and Ryan on review criteria (one-time, not ongoing)
Annual BOA meetings and stewardship for $10M+ clients

Gregg

Tax Strategy Director & Implementation Lead

Owns all CTAP sign-offs — reviews AI-generated tax output, puts his name on every recommendation
Reviews AI output as a first draft — his judgment catches what the machine misses
Leads implementation calls with clients' CPAs and attorneys
Co-reviews ValueCompass outputs for tax implications

This is an upgrade: From implementer to named expert. The analysis gives him a head start — he's adding judgment, not starting from scratch.

Ryan

Investment Strategy Director

Owns all IAA sign-offs — reviews AI-generated investment analysis, approves before delivery
Leads 90-day relationship calls post-onboarding
Co-reviews ValueCompass outputs for investment implications

This is an upgrade: From senior advisor to named expert. Expertise is in the review and the relationship — the analysis is the head start.

Brandon

Director of Client Success & Onboarding

Owns all client intake, onboarding flows, and delivery coordination
Manages the client experience from first yes to first deliverable
Quality-checks that deliverables are complete before client delivery
Point of contact for client questions between advisory calls
Tracks client engagement and flags churn risk

This role becomes more critical at scale. Brandon is the glue. Help design the onboarding flow for each module — you know where clients get confused and where they drop off.

Don

Team Efficiency & Operations

Owns the assembly line — every step from diagnostic request to delivered report is a process Don maps and optimizes
Builds and maintains SOPs for each module
Tracks where time is being lost, where reviews are bottlenecked
Ensures AI output → review → delivery cycle time is consistent
Reports weekly on throughput, cycle time, and capacity

The V2.0 system only works if someone owns the machine itself. Gregg and Ryan can't review efficiently if the intake process is broken. Brandon can't deliver if the pipeline is messy. Don owns the pipeline. That's a leadership role.

Client Journey — Full Sequence

From Day 0 enrollment through the Annual Board of Advisors Meeting. Every phase has an owner, timing, and a defined outcome.

1

Enrollment & Activation

Day 0–1 · Brandon

Step	Owner	Timing	Key Outcome
Contract signed, payment processed	Brandon	Day 0	Engagement confirmed
CRM record created, drive folder built	Brandon	Day 0	Client file live
Welcome packet & portal credentials sent	Brandon	Day 1	Client activated
Internal kickoff — team briefed	Brandon	Day 1	Gregg + Ryan aware
Financial OS Dashboard activated	Brandon	Within 48 hrs	Control room live

2

Discovery & Diagnostic

Days 2–7 · Dana

Step	Owner	Timing	Key Outcome
Discovery Questionnaire sent & completed	Brandon sends / Client completes	Day 2–3	Financial snapshot in hand
Doc collection (tax returns, statements, entity docs)	Brandon	Day 3–5	Full data set assembled
Diagnostic prep — data mapped to 4-pillar framework	Dana prep	Day 5–7	Pre-call brief complete
Wealth Diagnostic Call — Dana leads	Dana	Week 1 · 60–75 min	3 findings identified, archetype confirmed

Target: Diagnostic call within 7 days of enrollment. Blueprint delivered within 18–21 days total.

3

Blueprint & Handoff

Weeks 2–4 · Dana → Gregg → Ryan

Step	Owner	Timing	Key Outcome
Blueprint preparation — 4-pillar architecture built	Dana + team	Weeks 2–3	Blueprint complete
Blueprint Delivery — Dana presents	Dana	Week 3 · 60 min	Architecture presented, warm handoff executed
90-Day Priority Plan Call — Gregg	Gregg	Day after Blueprint · 30 min	Priority plan confirmed, calendar built
Advisor activation — external contacts briefed	Gregg	Week 4	CPA/attorney/advisor aligned
Investment Alignment Call — Ryan	Ryan	Week 4 · 30 min	Investment strategy aligned to architecture

4

90-Day Execution Sprint

Days 30–90 · Gregg

Step	Owner	Timing	Key Outcome
Week 6 check-in call	Gregg	Week 6 · 20 min	Progress confirmed, blockers cleared
Week 10 check-in call	Gregg	Week 10 · 20 min	Final sprint priorities confirmed
Day 90 Review — Gregg + Ryan	Gregg + Ryan	Day 90 · 45 min	Sprint complete, Q2 plan set

5

Ongoing Service Rhythm & Annual Board

Quarter 2+ · All Team

Cadence	Owner	Duration	Focus
Quarterly Review + New 90-Day Plan	Gregg	45 min	Execution review, next priority plan
Investment Reviews	Ryan	Ongoing	Portfolio alignment with architecture
Annual Board of Advisors Meeting	Dana chairs	90 min	All advisors coordinated, year ahead planned

Dana's total time in first 90 days: ~2.5 hours. Diagnostic Call (60–75 min) + Blueprint Delivery (60 min) + prep. Everything else is owned by Gregg, Ryan, and Brandon.

Onboarding Workflow — Full Sequence

Day 0 through Annual Board. Target: 18–21 days to Blueprint delivery. Dana's total first-90-day time: ~2.5 hours.

Blueprint target: 18–21 days from enrollment to delivery. Every step before that is Brandon + team. Dana's prep is parallel, not sequential.

Day / Week	Step	Owner	Duration / Format	Key Output
Day 0	Enrollment — contract signed, payment processed	Brandon	—	Engagement confirmed in CRM
Day 1	Welcome Packet sent — portal credentials, intro letter, timeline overview	Brandon	Email + portal	Client knows what's happening and when
Day 1	Internal Kickoff — Gregg + Ryan briefed, drive folder created	Brandon	Slack / async	Team aligned before client first call
Day 1–2	Financial OS Dashboard activated	Brandon	Within 48 hrs	Control room live, delivered at Gregg's intro call
Day 2	Discovery Questionnaire sent	Brandon	Online form	Financial snapshot initiated
Day 3–5	Document Collection — tax returns, statements, entity docs, insurance	Brandon	Client uploads to portal	Full data set assembled
Day 5–7	Diagnostic Prep — data mapped to 4-pillar framework, pre-call brief prepared for Dana	Dana + team	Internal	Pre-call brief complete
Week 1	Wealth Diagnostic Call — Dana leads	Dana	60–75 min · Video call	3 findings identified, archetype confirmed, Blueprint scoped
Post-Diagnostic	Blueprint Kickoff — team aligns on architecture priorities	Dana + team	Internal	Blueprint build begins
Weeks 2–3	Blueprint Preparation — 4-pillar architecture, entity map, 90-day priority framework	Team	~5 business days	Blueprint complete and reviewed
Week 3	Blueprint Delivery — Dana presents	Dana	60 min · Video call	Architecture presented, warm handoff to Gregg + Ryan
Day After Blueprint	Gregg Intro Call — 90-Day Priority Plan walkthrough	Gregg	30 min · Video call	90-Day plan confirmed, calendar built
Week 4	Advisor Activation — CPA, attorney, investment advisor briefed and aligned	Gregg	Outreach calls	External advisors in the loop
Week 4	Ryan Intro Call — Investment alignment	Ryan	30 min · Video call	Investment strategy aligned to Blueprint
Week 6	Check-In Call	Gregg	20 min	Progress confirmed, blockers cleared
Week 10	Check-In Call	Gregg	20 min	Final sprint priorities confirmed
Day 90	90-Day Sprint Review	Gregg + Ryan	45 min	Sprint complete, Q2 90-day plan set
Quarter 2+	Quarterly Calls (Gregg) + Investment Reviews (Ryan)	Gregg / Ryan	45 min / ongoing	Continuous execution + investment alignment
Annual	Board of Advisors Meeting — Dana chairs	Dana	90 min · All advisors	Full year review, next year architecture set

Dana's First-90-Day Time Budget:
Diagnostic Call: 60–75 min · Blueprint Delivery: 60 min · Prep & Blueprint review: ~30 min
Total: ~2.5 hours of Dana's time in the first 90 days. Gregg and Ryan own all remaining client touchpoints.

Handoff Protocol — Verbatim Scripts

Dana's Warm Handoff at Blueprint Delivery → Gregg's Follow-Up Call. Use these scripts exactly. Do not paraphrase.

Context: The warm handoff happens at the END of the Blueprint Delivery Call — after Dana has walked through all findings and priorities. She does not end the call without formally introducing Gregg and Ryan.

Dana's Warm Handoff Script — Blueprint Delivery Call

Dana — Setup (30 sec)

Before we close today, I want to do something I do with every client at this moment — because it's one of the most important parts of what we do together.

Dana — Introduction

The blueprint is done. Now I want to introduce the two people who are going to make it real. Gregg is your 90-Day Implementation Architect. He's the person who takes everything we designed today and makes sure it actually gets executed — advisor by advisor, action by action. He's going to call you tomorrow to walk through the 90-Day Priority Plan in detail and get the calendar built. Ryan owns your investment strategy. Once Gregg gets the structural priorities moving, Ryan steps in to align your investment positioning with the architecture we've built. You'll meet him in week four.

Dana — Frame

I want to be clear about something: you didn't just hire me. You hired a firm. What you got today — my thinking, my diagnostic, this blueprint — that's the architecture. Gregg and Ryan are the team that builds it. And I'll be at your Board of Advisors meeting every year, and any time something genuinely complex comes up, I'm a call away.

Dana — Close

This is the part where most firms hand you off and you never hear from them again. That's not what this is. What you're going to feel over the next 90 days is momentum — real, documented progress on the things we identified today. Any questions before I connect you with Gregg?

Gregg's Follow-Up Call Script — Day After Blueprint

Gregg — Opening

Dana walked you through the architecture yesterday — now I want to walk you through the construction schedule. We have [X] priorities for the next 90 days. I want to go through each one, tell you what's happening, who's doing it, and what I need from you. The goal is that by the time we hit day 90, [Priority 1], [Priority 2], and [Priority 3] are done — not just started.

Key rules for the handoff:
1. Dana never ends the Blueprint call without executing the handoff verbatim.
2. Gregg calls the NEXT DAY — not next week. Calendar is built on that call.
3. Ryan calls in Week 4 — after Gregg has the structural priorities moving.
4. Brandon confirms Gregg's call is scheduled before Dana ends the Blueprint call.

Service Rhythm — Cadence & Annual Board

Ongoing service structure for all Family CFO clients. Every cadence is owned, scheduled, and documented.

Cadence Overview

Frequency	Meeting / Touch	Owner	Duration	Focus
Quarterly	90-Day Review + New Priority Plan	Gregg	45 min	Sprint review, new 90-day plan set
Ongoing	Investment Reviews	Ryan	As needed	Portfolio aligned to architecture
Annual	Board of Advisors Meeting	Dana chairs	90 min	Full coordination of all advisors
Ongoing	Client Support & Logistics	Brandon	Responsive	Scheduling, portal, document requests

Annual Board of Advisors Meeting — Full Agenda

Format: 90 minutes · Dana chairs · All client advisors present (CPA, attorney, investment advisor) · Gregg + Ryan attend · Client attends

Time	Segment	Owner	Purpose
0–10 min	Year in Review	Dana	What was accomplished across all 4 pillars this year
10–25 min	4-Pillar Update	Gregg	Investment, Tax, Asset Protection, Estate & Legacy — status on each
25–40 min	Investment Review	Ryan	Portfolio performance, alignment to architecture, any adjustments
40–55 min	Tax Strategy Update	CPA	Year's tax outcomes, upcoming planning opportunities
55–65 min	Estate & Legal Update	Attorney	Entity and estate changes, legal risk flags
65–80 min	Next 90-Day Priority Plan	Dana + Gregg	Top priorities for the coming year, ownership confirmed
80–90 min	Open Q&A + Renewal	Dana	Client questions, renewal executed

Renewal Script — Annual Board Close

Dana — Renewal Close (80–90 min mark)

Before we close — I want to take 2 minutes to talk about next year. Our program renews at [date]. Given what we accomplished and what's on the plan for next year, I don't see any reason to pause. I'll have Brandon send the renewal doc this week. Any questions before then?

NEVER ask "do you want to renew." Assume the renewal. Frame it as logistics — the relationship continues, Brandon sends the paperwork. This is not a sales moment. It's an operations moment.

Client Archetypes — Quick Reference & Full Profiles

Six primary archetypes. Identify the archetype during the Diagnostic Call. The archetype determines the Blueprint structure and 90-Day Priority framework.

Quick Reference Table

#	Archetype	NW Range	Primary Flag	Top Priority
1	Business Owner Pre-Exit	$2M–$10M	Business = 70–90% of NW	Exit planning + tax structure
2	Business Owner Scaling	$5M–$20M	Cash flow reinvested, personal wealth thin	Personal wealth extraction + structure
3	UHNW Family Accumulated	$5M–$20M+	Multiple advisors, no coordination	Architecture + advisor alignment
4	High-Income Professional — Concentrated Equity	$2M–$8M	80%+ in one stock/RSU position	Concentration risk + tax-efficient diversification
5	Real Estate Heavy	$3M–$15M	Illiquid, tax-deferred, no income plan	Income extraction + depreciation strategy
6	Multi-Entity Complex	$5M–$25M	3+ entities, no unified strategy	Entity rationalization + unified tax architecture

1 · Pre-Exit

2 · Scaling

3 · UHNW Accumulated

4 · Concentrated Equity

5 · Real Estate Heavy

6 · Multi-Entity

Archetype 1 — Business Owner Pre-Exit

$2M–$10M net worth · Business = 70–90% of net worth · Exit horizon: 1–5 years

Profile

Successful business owner, likely $2M–$5M in annual revenue. Business is the primary asset. Personal wealth outside the business is thin — savings, a house, maybe a retirement account. No formal exit plan. Has a CPA who files but doesn't plan. Financial advisor managing a relatively small personal account. No one has looked at what the business is actually worth or what an exit would cost them in taxes.

Red Flags in Diagnostic

Business has never been formally valued
Owner compensation is ad hoc — not structured for S-corp optimization
No buy-sell agreement or succession plan
Tax bill increasing YoY with no strategy to reduce
"I plan to sell in the next few years" but no preparation underway

4-Pillar Findings

Pillar	Typical Finding
Investment Allocation	90%+ in business equity, minimal liquid diversification. Freedom Index typically 5–15%.
Tax Strategy	S-corp comp not optimized. No defined benefit or 401(k). Estimated overpay: $40K–$120K/yr.
Asset Protection	Business and personal assets commingled. No umbrella policy. Operating agreement outdated.
Estate & Legacy	No buy-sell. No estate plan coordinated with business value. Spouse has no ownership continuity plan.

90-Day Priority Plan

Initiate formal business valuation — establish baseline and gap
S-corp compensation restructure — immediate tax reduction
Defined benefit plan implementation if applicable
Entity/asset protection review with attorney
Begin exit readiness scoring — identify top 3 value gaps

Blueprint Language

Blueprint Opening Frame

Your business is your largest asset — and right now, it's also your greatest unmanaged risk. The goal of this blueprint is to do two things simultaneously: maximize what that business is worth when you sell it, and make sure you keep as much of the proceeds as possible when you do. We start on both today.

Archetype 2 — Business Owner Scaling

$5M–$20M net worth · Business generating strong cash flow · Personal wealth thin relative to business size

Profile

Business is growing — revenue $5M–$20M+, EBITDA strong. Owner is reinvesting everything back in. Personal balance sheet is thin relative to the cash flow the business generates. Tax bill is significant and growing. The owner is too busy running the business to manage the personal financial architecture. Multiple entities, possibly including real estate or holding companies, with no unified strategy.

Red Flags in Diagnostic

High W-2 or K-1 income with minimal tax planning
No strategy for extracting personal wealth from the business
Retirement accounts underfunded relative to income
Multiple entities with no consolidated strategy or centralized oversight

4-Pillar Findings

Pillar	Typical Finding
Investment Allocation	Personal investments reactive, not strategic. Capital velocity low. Reinvesting in business while personal portfolio is sub-optimal.
Tax Strategy	Entity structure not optimized for scale. QBI not maximized. Defined benefit opportunity missed. Est. overpay: $80K–$200K+/yr.
Asset Protection	Business liability exposure bleeds into personal assets. No holding company structure. Insurance gaps.
Estate & Legacy	Estate plan not updated to reflect business value growth. No gifting strategy for appreciated assets.

90-Day Priority Plan

Entity restructure review — holding company and operational entity separation
Defined benefit / 401(k) maximization — largest legal tax reduction available
Personal wealth extraction strategy — systematic, tax-efficient
Asset protection layer — umbrella, entity separation, updated operating agreements
Investment architecture rebuild — income-first framework applied to personal accounts

Blueprint Language

Blueprint Opening Frame

You've built something significant. The problem is most of the value is still trapped inside the business — and the personal side of your financial life hasn't kept pace. This blueprint is about fixing that in a systematic, tax-efficient way so your personal balance sheet grows as fast as your business does.

Archetype 3 — UHNW Family Accumulated

$5M–$20M+ net worth · Diversified assets · Multiple advisors with no coordination

Profile

Significant accumulated wealth — liquid investments, real estate, possibly a sold or sold-down business. Multiple advisors: two financial advisors, a CPA, an estate attorney, maybe an insurance broker. Nobody talks to each other. Client is coordinating everything themselves. Significant tax drag, overlapping investment strategies, estate plan not updated in years. High income, high complexity, zero coordination.

Red Flags in Diagnostic

Assets split between two or more advisory firms for "diversification"
Estate plan last updated 5+ years ago
Client can't name who coordinates their advisors — because nobody does
High tax bill despite "having a good CPA"

4-Pillar Findings

Pillar	Typical Finding
Investment Allocation	Duplicated strategies, overlapping risk, inefficient asset location. Capital velocity below potential. Freedom Index 40–70% — should be higher.
Tax Strategy	High capital gains from uncoordinated rebalancing. No tax loss harvesting strategy. Roth conversion windows missed. Charitable giving not optimized.
Asset Protection	Umbrella and entity structures adequate but not reviewed recently. Trust structures may be outdated.
Estate & Legacy	Estate plan not aligned with current asset mix or applicable exemptions. Gifting strategy underutilized.

90-Day Priority Plan

Advisor consolidation or coordination structure — one architecture, all advisors aligned
Asset location audit — move the right assets to the right account types
Tax loss harvesting and Roth conversion window assessment
Estate plan review with attorney — update to current law and asset mix
Investment architecture rationalization — eliminate overlap, align to income-first

Blueprint Language

Blueprint Opening Frame

You've accumulated significant wealth. The challenge isn't the assets — it's the coordination. Right now you have multiple advisors, multiple strategies, and no one connecting them. This blueprint gives you one architecture that all of them operate from. The result is less tax drag, less duplication, and a financial picture you can actually understand and manage.

Archetype 4 — High-Income Professional / Concentrated Equity

$2M–$8M net worth · High W-2 income · 60–90% in a single stock, RSU, or options position

Profile

High-earning professional — tech exec, founder post-liquidity event, physician group partner. W-2 income $500K–$2M+. Net worth dominated by a single equity position: RSUs, ISOs, company stock, or post-liquidity proceeds sitting in cash. Tax planning around equity compensation is minimal. No plan for diversification that doesn't trigger a catastrophic tax event.

Red Flags in Diagnostic

60%+ of net worth in a single equity position
RSU/ISO vesting schedule not mapped to tax planning windows
"I can't sell because of the tax hit" — concentration lock with no exit strategy
No QOZ or charitable vehicle strategy for low-basis stock

4-Pillar Findings

Pillar	Typical Finding
Investment Allocation	Extreme concentration risk. Freedom Index low despite high NW — concentrated equity doesn't generate income. Position size creates single-event ruin risk.
Tax Strategy	RSU/ISO tax planning not optimized. High marginal rate on vest income. No QOZ analysis. Charitable remainder trust or DAF not explored.
Asset Protection	All wealth in one name, one asset class, one company. No diversification layer. Personal liability exposure unmitigated.
Estate & Legacy	Concentrated low-basis position creates estate planning complexity. Gifting strategy for appreciated stock unexplored.

90-Day Priority Plan

Concentration risk quantification — position size, tax basis, break-even diversification analysis
RSU/ISO vesting calendar mapped to tax planning windows
QOZ eligibility analysis — defer and potentially eliminate capital gains
Charitable vehicle analysis (CRT/DAF) for low-basis stock
Diversification roadmap — tax-efficient path to reduce concentration over 12–24 months

Blueprint Language

Blueprint Opening Frame

Your net worth looks strong on paper — but most of it is locked in a single position that doesn't generate income and creates significant risk. The goal of this blueprint is to build a tax-efficient path to diversification so that your wealth actually works for you, without triggering a tax event that wipes out the gain you've built.

Archetype 5 — Real Estate Heavy

$3M–$15M net worth · Significant real estate portfolio · Illiquid, depreciation-rich, but income poorly structured

Profile

Real estate investor — residential rentals, commercial properties, or development. Net worth primarily in real estate equity. Strong depreciation position but income not optimized. Has a CPA who handles the returns but hasn't structured a comprehensive real estate tax strategy. Cost segregation studies not done. Real estate professional status unexplored. No plan for 1031 into a larger-income position or eventual disposition.

Red Flags in Diagnostic

No cost segregation study on commercial or large residential properties
Real estate professional status qualification unexplored
Properties held personally with no entity protection layer
1031 exchange opportunities missed on recent sales
Net rental income well below what the portfolio should produce

4-Pillar Findings

Pillar	Typical Finding
Investment Allocation	All wealth illiquid, concentrated in real estate. No liquid income layer. Freedom Index low — cash flow not optimized.
Tax Strategy	Depreciation not maximized. Cost segregation not applied. REPS status not qualified. Passive loss carryforwards not weaponized. Est. additional deductions available: $50K–$200K+.
Asset Protection	Properties likely held personally or in single LLC. Cross-liability exposure. No tiered LLC structure or land trust layer.
Estate & Legacy	Real estate equity not incorporated into estate plan. Step-up basis strategy not mapped. Family LLC not utilized for gifting.

90-Day Priority Plan

Cost segregation study on qualifying properties
Real estate professional status qualification analysis and documentation
Entity structure review — tiered LLC or LP for liability separation
Passive loss carryforward analysis — how to unlock against current income
1031 exchange planning for upcoming dispositions

Blueprint Language

Blueprint Opening Frame

Your real estate portfolio has significant value — but it's not working as hard as it should from a tax or income perspective. This blueprint is about extracting the full tax benefit from the depreciation you're already entitled to, protecting your assets from cross-liability exposure, and building an income architecture that actually converts your equity into monthly cash flow.

Archetype 6 — Multi-Entity Complex

$5M–$25M net worth · 3+ operating or holding entities · No unified tax or planning architecture

Profile

Multiple businesses, LLCs, holding companies, real estate entities — built organically over time with no master plan. Each entity has its own CPA or is handled by the same CPA without a unified strategy. Significant intercompany transactions, management fees, or cash flow between entities. High complexity, high tax bill, no one looking at the whole picture. Owner is the de facto CFO and it's consuming enormous mental energy.

Red Flags in Diagnostic

3+ entities with no consolidated financial picture
Inter-entity loans or management fees with no formal documentation
Different CPAs or advisors for different entities — no coordination
Owner cannot articulate consolidated net worth or annual tax bill with confidence

4-Pillar Findings

Pillar	Typical Finding
Investment Allocation	Capital trapped in entities. Personal liquid wealth thin. No consolidated investment strategy. Freedom Index extremely low relative to total NW.
Tax Strategy	Entity structure likely suboptimal — missing inter-company planning opportunities. Management fee structures informal. Consolidated tax strategy never designed.
Asset Protection	Entity boundaries unclear or blurred. Personal guarantees create cross-exposure. Operating agreements outdated or missing.
Estate & Legacy	Estate plan doesn't reflect multi-entity structure. Ownership percentages not documented cleanly. Succession plan absent.

90-Day Priority Plan

Entity map and consolidated net worth statement — full picture documented
Inter-company structure rationalization — formalize management fees, loans, and ownership
Consolidated tax architecture design — one strategy across all entities
Personal wealth extraction plan — systematic income from entity structure
Operating agreement and corporate formalities audit

Blueprint Language

Blueprint Opening Frame

You've built a complex financial ecosystem — multiple entities, multiple revenue streams, real complexity. The problem is nobody has ever designed a unified strategy for all of it. This blueprint maps the entire structure, identifies every tax and income inefficiency, and gives you a clear plan for rationalizing it so the whole thing works as one coordinated machine instead of several disconnected parts.

Role Cards — Full Team

What each person owns, what they do NOT own, and how performance is measured. Know your lane.

D

Dana Cornell — Chief Wealth Architect

Dana

Owns

Client archetype identification and Blueprint design
Wealth Diagnostic Call (lead)
Blueprint Delivery Call (lead)
Annual Board of Advisors Meeting (chair)
Complex escalations and judgment calls
Sales conversion — Diagnostic to enrollment
Elite tier quarterly strategy calls
VIP tier direct access relationship

Does NOT Own

90-day execution management (Gregg owns this)
Day-to-day client communication (Brandon + Gregg)
Investment portfolio management (Ryan)
Scheduling and logistics (Brandon)
Document collection and portal management (Brandon)

KPIs

Metric	Target
Diagnostic-to-enrollment conversion rate	≥60%
Blueprint delivery within 21 days of enrollment	100%
Annual Board meeting held per client per year	100%
Dana's first-90-day time per client	≤2.5 hours
Client renewal rate at Annual Board	≥90%

G

Gregg — Implementation Architect (90-Day Execution)

Gregg

Owns

90-Day Priority Plan construction and execution
Gregg Intro Call (day after Blueprint)
All quarterly reviews and new 90-day plans
Advisor coordination — CPA, attorney, insurance, investment
4-Pillar Update at Annual Board
Week 6 and Week 10 check-in calls
Day 90 Review (with Ryan)
Escalation to Dana when complexity warrants

Does NOT Own

Blueprint design (Dana)
Investment portfolio decisions (Ryan)
Logistics and scheduling (Brandon)
Sales conversations (Dana)

KPIs

Metric	Target
Gregg intro call held within 24 hrs of Blueprint delivery	100%
90-day priority items completed by Day 90	≥80%
All quarterly calls scheduled and held on time	100%
Client satisfaction with execution (survey)	≥4.5/5

R

Ryan — Investment Strategy Advisor

Ryan

Owns

Investment strategy aligned to Blueprint architecture
Ryan Intro Call (Week 4)
Ongoing investment reviews and portfolio alignment
Investment Review segment at Annual Board
Post-90-day primary investment relationship
Day 90 Review (with Gregg)
IAA sign-off on module deliverables

Does NOT Own

Tax strategy execution (CPA + Gregg)
Blueprint design (Dana)
90-Day execution coordination (Gregg)
Client logistics (Brandon)

KPIs

Metric	Target
Ryan intro call held in Week 4 of onboarding	100%
Investment reviews held per client annually	≥2
Portfolio alignment to Blueprint (advisor review)	Quarterly confirmed
IAA module sign-off within 24 hrs of completion	100%

B

Brandon — Client Experience Manager

Brandon

Owns

All client intake, onboarding, and portal activation
Welcome packet and credentials delivery
Financial OS Dashboard activation (within 48 hrs)
Document collection and organization
All scheduling — every client touchpoint
Renewal document delivery after Annual Board
Client support between advisory calls
CRM management and engagement tracking

Does NOT Own

Advisory content or financial recommendations
90-Day execution (Gregg)
Investment decisions (Ryan)
Blueprint design (Dana)

KPIs

Metric	Target
Welcome packet sent within 24 hrs of enrollment	100%
Financial OS Dashboard activated within 48 hrs	100%
All calls scheduled ≥48 hrs in advance	100%
Renewal doc sent within 48 hrs of Annual Board	100%

D

Don — Operations & Process Management

Don

Owns

End-to-end process design and SOP maintenance
Throughput tracking — cycle time from intake to delivery
Pipeline management and capacity reporting
Bottleneck identification and resolution
AI output → review → delivery cycle optimization
Weekly ops report: throughput, cycle time, capacity

Does NOT Own

Client-facing communication (Brandon)
Advisory content (Dana/Gregg/Ryan)
Financial decisions or recommendations

KPIs

Metric	Target
Module delivery cycle time (Day 0 → delivery)	≤5 business days
Blueprint delivery within 21 days of enrollment	≥95%
Weekly ops report delivered	100%
Bottlenecks resolved within 48 hrs of identification	≥90%

Diagnostic Delivery Framework — 45-Minute Call Structure

The Wealth Diagnostic Call is Dana's primary conversion tool. Follow this structure exactly. Every minute has a purpose.

Core Principle: Never ask if they are "interested." Ask if they want to move forward. Interested is passive. Moving forward is a decision. The close is a prescription, not a pitch.

Pre-Call Prep (Complete Before Every Diagnostic)

1
Review the Discovery Questionnaire
Read every field. Note the 3–4 facts that feel most significant. Write them down — you will reference them verbatim on the call.
2
Identify the archetype
Before the call, you should have a working hypothesis. Business Owner Pre-Exit? Concentrated equity? Real estate heavy? Know your starting assumption and be ready to confirm or update it in the first 5 minutes.
3
Map 3 likely findings
Based on the questionnaire, write down the 3 findings you're most likely to confirm on the call. These are the "3 things" you'll present at the 5–25 minute mark.
4
Know your close
Before the call starts, know which tier you're recommending and why. Don't decide this at the close — decide it in prep.

1

Minutes 0–5: Anchoring

Goal: Set context, establish authority, own the agenda

Open by immediately establishing that this is a diagnostic, not a meeting. You are here to find something — not to talk about your services.

Opening Script

Here's what we're going to do today. I've reviewed your questionnaire, and I have three things I want to walk you through — areas where I see opportunity that most people in your situation have never had addressed. I'm going to be specific, I'm going to use your numbers where I can, and at the end I'll tell you exactly what I'd do if you were my client. Does that work?

This framing does three things: (1) establishes you already know their situation, (2) signals you're going to be concrete, not generic, (3) gets a yes before you've said anything of substance.

2

Minutes 5–25: The Three Findings

Goal: Identify 3 specific, high-value opportunities tied to their actual situation

Walk through each finding using this structure: (1) What it is in plain language, (2) Why it applies to them specifically (use their numbers), (3) What it's costing them or what they're leaving on the table, (4) What the resolution looks like at a high level.

Finding structure (for each of the 3):
"Here's what I'm seeing → here's what it means for you → here's what fixing it looks like."
Never spend more than 6–7 minutes per finding. Three findings, 20 minutes total.

Finding Frame Template

The first thing I want to show you is [finding]. Based on what you told me — [their specific number or fact] — this is happening right now in your situation. What that's costing you is [dollar amount or specific impact]. The fix is [high-level resolution — not implementation detail]. That's something we'd address in the first 90 days.

3

Minutes 25–35: Prescription & Archetype

Goal: Name the archetype, prescribe the solution, confirm the fit

Summarize what you've found, name the archetype, and prescribe one path. Do not offer options. You are the architect. Architects prescribe — they don't present a menu.

Prescription Script

Here's what I'm seeing in your situation. You're [archetype description in plain language]. The pattern I described — [finding 1], [finding 2], [finding 3] — is very consistent with what we see in [archetype profile]. The blueprint I'd build for you would focus on [top priority 1], [top priority 2], and [top priority 3] in that order. That's the architecture. The team I have builds it. My job is to design it and make sure it's right.

4

Minutes 35–45: The Close

Goal: Move forward — not gauge interest. Prescribe, then close on timing.

Critical: Do NOT ask "are you interested?" Ask "do you want to move forward?" The question is timing, not interest. They're interested — they showed up. The question is when.

Close Script — Core Tier

Based on what we've covered today, here's what I'd recommend. The Family CFO Core™ gives you the full blueprint, the full team, and my involvement at the two moments that matter most — the Blueprint delivery and your Annual Board meeting. That's $24,000 a year. The question is never whether this pays for itself — it always does. The question is whether now is the right time. Is it?

If They Hesitate — Bridge Script

What I hear you saying is you want to think about it. I respect that. Let me ask you one question: of the three things I showed you today — [finding 1], [finding 2], [finding 3] — which one is the most painful right now? [Let them answer.] That's where we'd start. And that's why the timing matters. Every quarter that goes by without addressing [their answer] is [cost]. When does it make sense to stop that?

Tier Positioning — Scripts & Objection Handling

Family CFO Core™ · Elite™ · VIP™. Know which tier to recommend, how to frame it, and how to handle every objection.

Tier Comparison

Feature	Core™ · $24K/yr	Elite™ · $42K/yr	VIP™ · $75K+/yr
Full Blueprint + Financial OS	✓	✓	✓
Quarterly 90-Day Plans (Gregg)	✓	✓	✓
Advisor Coordination	✓	✓	✓
Annual Board of Advisors (Dana chairs)	✓	✓	✓
Quarterly Strategy Calls with Dana directly	—	2/yr	2/yr
Direct Voxer/text access to Dana	—	—	✓
VIP client roster	—	—	10–15 clients max
Best for	Core complexity, ongoing execution	Active transitions, deal flow	Genuinely complex, time-sensitive situations

Sales Scripts — Verbatim

Default Core Close

The Family CFO Core™ is where most of our clients start. It gives you the full architecture, the full team, and my involvement at the two moments that matter most — the Blueprint and your Annual Board meeting. That's [annual fee] a year. The question is never whether this pays for itself — it always does. The question is whether now is the right time to move. Is it?

Elite Upgrade Script

Given what you've told me about [the exit / the deal / the transition], I'd actually recommend Elite. The difference is two quarterly strategy calls with me directly. Given the complexity of your situation right now, having my eyes on it every quarter versus once a year is the difference between catching something and missing it. It's [delta amount] more per year. Worth it?

VIP Positioning Script

We keep a small number of VIP clients — ten, sometimes fifteen — where I'm accessible directly. It's not for everyone; it's for people whose financial lives are genuinely complex enough that waiting for the quarterly call is too slow. If that's where you are, we should talk about it.

Objection Handling — Verbatim Responses

Objection: "I want direct access to you"

That's exactly what Elite is for. The difference between Core and Elite is two quarterly calls with me directly — not with Gregg, not with Ryan, with me. If you want my eyes on your situation every quarter, that's the Elite program. Given what you've got going on, that's probably the right call.

Objection: "Why am I paying $24K if I'm mostly working with Gregg and Ryan?"

You're not paying for hours of my time. You're paying for the architecture I designed, the team I built to execute it, and the coordination that nobody else in your financial life is providing. Think about it this way: your CPA charges you for hours. Your advisor charges you for assets. Nobody charges you for the thing that actually makes everything work together. That's what you're paying for. And that's why it pays for itself — not because of what I do in those calls, but because of what doesn't fall through the cracks when someone is actually running the system.

Objection: "Can I start at a lower tier and upgrade?"

Yes. Most of our clients start with Core and upgrade to Elite once they see how the system works and realize they want more of my direct involvement. The way it works: you start Core, we do the Blueprint, you meet Gregg and Ryan, and after your first quarterly review, if you decide you want to add the direct strategy calls, we adjust the engagement. Brandon handles the paperwork. It's a simple upgrade.

Financial Operating System™ Dashboard

The control room for your client's financial life. Brandon activates within 48 hours of enrollment. Delivered and walked through at Gregg's Intro Call.

Tagline: "The control room for your financial life." Every client gets this. Brandon activates it within 48 hours. Gregg walks through it on his intro call (5-minute walkthrough).

Dashboard Components

1

Net Worth Snapshot

All accounts, entities, and assets consolidated in one view. Updated monthly by the team. Includes: checking/savings, investment accounts, real estate (appraised value), business equity estimate, retirement accounts, liabilities. Client can see total picture at any time.

Updated MonthlyBrandon Maintains
2

90-Day Tracker

Every action item from the current 90-Day Priority Plan. Shows: action, owner (team member or external advisor), status (not started / in progress / complete), and deadline. Updated by Gregg after each check-in. Client always knows exactly what's happening.

LiveGregg Maintains
3

Advisor Directory

Every professional in the client's ecosystem: CPA, estate attorney, investment advisor, insurance broker. Includes: name, firm, contact info, what they own, and last touch date. Gregg uses this to coordinate. Client uses this to know who to call for what.

Gregg Updates After Every Advisor Interaction
4

Document Vault

Secure storage for all key documents: tax returns, estate plan, entity agreements, insurance policies, investment statements. Organized by category. Brandon maintains. Client can upload new documents at any time.

Brandon Maintains
5

Diagnostic Indexes

The client's six proprietary diagnostic scores: Freedom Index™, Tax Drag Ratio™, Capital Velocity Score™, Time Compression Index™, Concentration Risk Indicator™, Exit Readiness Score™. Updated annually at the Annual Board meeting (or when a significant financial event changes the picture).

Updated AnnuallyDana + Ryan Review
6

Upcoming Touchpoints

Calendar of all upcoming calls and meetings: next quarterly review, next investment review, Annual Board date, any one-off calls scheduled. Synced with Brandon's scheduling system. Client is never surprised about what's coming.

Brandon Maintains

Activation & Delivery Protocol

Step	Owner	Timing	Action
Dashboard created and populated with enrollment data	Brandon	Within 48 hrs of enrollment	All sections created, welcome note added
Net Worth Snapshot initial population	Brandon	Day 3–5 (as docs arrive)	Accounts entered, liabilities noted
Dashboard walkthrough — Gregg's Intro Call	Gregg	Day after Blueprint · 5 min	"Here's the control room for your financial life."
90-Day Tracker populated	Gregg	During Gregg's Intro Call	All priority items entered with owners and deadlines
Diagnostic Indexes first population	Dana + Ryan	After Blueprint delivery	All 6 indexes scored and entered

Gregg's Dashboard Introduction Script (5 min on Intro Call)

Before we get into the 90-day plan, I want to show you one thing. This is your Financial OS Dashboard — your control room. Everything we do for you lives here. Your net worth, your 90-day tracker, every advisor's contact info and last touch date, your documents, your scores. You'll never have to ask us "what's happening" because it's all here. Brandon keeps it updated. I update the 90-day tracker after every call. Let me walk you through it — takes about 5 minutes. [Walk through each section.] Questions? Good. Now let's get into the plan.