Continuity, Succession & the Wealth Transfer

Would your advisory firm and its clients survive your exit — planned or sudden? A deterministic self-assessment: mark six continuity dimensions 0/1/2 on evidence — written succession plan (18), named & ready successor (20, tripwire), continuity/contingency agreement (18, tripwire), client-relationship transferability (16), funding & valuation (14), operational readiness (14) — for a 0-100 score banded SECURE / EXPOSED / NO SUCCESSION. A dispositive kill-chain tripwire forces NO SUCCESSION only when the firm has neither a ready successor nor a continuity agreement — the intersection where clients have nowhere to go — and releases the moment either half clears, so it always names the cheapest fix. Portfolio rolls up to the worst firm (ALL SECURE / GAPS TO CLOSE / CONTINUITY AT RISK). Runnable Python engine + workbook + assessment & continuity playbooks + a 5-firm sample. Grades a firm’s continuity posture, never people, and drafts no documents. Not legal, financial, or investment advice.

Roughly $84 trillion is moving to the next generation and most heirs leave the advisor who served their parents. This Radar reads your advisory book (AUM, primary-contact age band, heir-relationship depth) and computes how much AUM is in transfer motion, how well that at-risk pool is covered by an engaged next generation, and a 0-100 book continuity score banded SECURE / AGING / EXPOSED. A worsen-only aging-book trigger forces EXPOSED when a single household is material (15%+ of the book), 75+, and has no heir named — the exact pattern an acquirer discounts. Names the one heir to engage first. Runnable Python engine + workbook + audit & heir-engagement playbooks + a 6-household sample. Scores the book, never a person; not legal, tax, or investment advice.