Reference · Instruments
The instruments.
Each one exists because a stage of the method needed to be measured rather than remembered. Every instrument is written in general product categories: term, indexed universal life, disability, indexed annuities, so the standard travels across carriers rather than belonging to one.
T.01 · Blueprint · Arc A.01–A.03
The Legacy & Cashflow Blueprint
The engine that runs the appointment end to end. Eight steps: fact finder, monthly budget, recurring debt, debt elimination, mortgage amortization, mortgage acceleration, retirement projection, and coverage need, modeled for the primary client and spouse separately, ending in a client-ready report.
Coverage need is built the way the method requires: immediate cash needs plus income replacement at a stated conservative rate. Face amount first, before any product category enters the conversation.
T.02 · Analyzer · Arc A.02
Retirement & Survivor Analyzer
Interactive Social Security claiming-age, survivor-benefit, and income-gap modeling. Built to be run in front of a client, on a laptop or a phone, with figures that update as the conversation moves.
It works two ways: on its own as a Social Security resource, or upstream of the Blueprint, establishing the retirement assumptions the projection runs on rather than leaving them guessed inside it.
T.03 · Simulator · Certification
Live Voice Role-Play Simulator
Voice-driven scenario clients that respond in real time and push back the way real people do. Every run is recorded and scored against the certification rubric, so practice and the exam use the same instrument.
Scenarios are drawn from the Role-Play Library, which means an advisor can rehearse a case in structured form and then face the same household in live voice, the second time without a script in front of them.
T.04 · Library · All stages
The Role-Play Library
The scenario bank the simulator runs. Seven client cases graded across six levels, from a single professional building first income to a buy-sell design between brothers in a practice, plus a three-part special-needs series and a two-part retirement design.
Each case branches on the advisor's choices, surfaces coaching notes after every decision, and closes with a scored debrief. The library keeps expanding, which is what allows a certification run to use a case the advisor has not seen.
- Foundation
- Single-client, single-need scenarios. First reps.
- Intermediate
- Multi-need households, standard objections, offset math.
- Advanced
- Mortgage acceleration, income continuation, live referral moments.
- Specialty
- Special-needs planning, business buy-sell, retirement income design.
T.05 · Worksheets · Arc A.01
Fact-Finder Library
Individual fact-finder, business-continuation fact-finder, life insurance client intake, and annuity client intake, editable and consistent with the Discovery definition of done.
T.06 · Submission · Arc A.03
Underwriting Case Kit
Underwriter cover letter, financial justification letter, and case executive summary: the packet that gets a complicated case read rather than queued.
T.07 · Guide · All stages
Advisor Field Guide
The complete method in reference form: every stage, every definition of done, every instrument, indexed for use during a case rather than before one.
T.08 · Facilitation · Leader
Facilitator Deck
What a leader runs a live training block from: stage material, discussion prompts, and the debrief structure. Pairs with the Role-Play Library so a session moves from instruction to a scored run in the same sitting.
T.09 · Scorecard · Leader
Leader Certification Scorecard
Team-level view of the certification rubric. Shows where a team is strong, where it is not, and which advisors are approaching a lapsed standing.
Where they live
Instruments behind certification. Doctrine here.
The analyzer, the simulators, and the voice agents are software, and they move at a different pace than the method they serve. They run on their own subdomain so a release cycle never touches the reference material.
Certified advisors sign in once and reach both. Access is per-advisor and is tied to standing, not to a shared password.
Access
Instruments are issued, not downloaded.
Every instrument carries the standard's name on it, which means an uncontrolled copy is a liability rather than a marketing asset. Access is granted to a named advisor and revoked when standing lapses.
- Advisors
- Issued on entry to the certification track.
- Leaders
- Scorecard access on team certification.
- Organizations
- Per-advisor annual licensing, with the mark and the rubric included.
- Request
- Advisor access form