Your book is older thanyour AUM admits.
Roughly $84 trillion is moving to the next generation, and most heirs leave the advisor who served their parents within a year or two of inheriting. This Radar reads your own book and tells you how much AUM is in transfer motion, how much of it is covered by an engaged heir, and which household to engage first.
Your monthly report shows AUM. It doesn't show how much of it is about to change hands.
moving to younger generations over the next two decades — the largest wealth transfer on record.
of next-gen heirs plan to switch firms within a year or two of inheriting. The relationship is with the parent, not the money.
acquirers now price: a younger client base, organic growth, and a young advisor team. Its opposite is an aging, un-engaged book.
The risk hides inside a healthy-looking AUM number until a primary client dies or moves the money — and the heir you never met takes it somewhere else. The Radar surfaces that exposure before it costs you the assets.
Mark each household once. The book verdict recomputes from your numbers.
Edit any row. The book verdict recomputes from your numbers. As of 2026-07-05.
Aging-book trigger fired — Harmon Family is material, in an imminent age band, and has no heir named. That forces EXPOSED regardless of score (score alone would read AGING).
| Household | AUM | Age band | Heir status | Share | Verdict | |
|---|---|---|---|---|---|---|
| 16% | EXPOSED | |||||
| 24% | COVERED | |||||
| 20% | COVERED | |||||
| 16% | COVERED | |||||
| 14% | COVERED | |||||
| 11% | COVERED |
Fix first: Harmon Family — engaging this heir removes the most uncovered, in-motion AUM per action.
Scores the book, never a person. Deterministic and offline — it connects to nothing and values nothing. Not legal, tax, or investment advice; confirm every plan with the client and their estate counsel.
A workbook you can hand a paraplanner, and an engine that batches your whole book from a CSV.
The same math runs three ways — a zero-dependency Python engine, an Excel workbook that reproduces it exactly, and the live demo above. Point the engine at a CRM export and it reads your entire book in one pass. Verbatim output on the shipped six-household sample:
==================================================================
WEALTH-TRANSFER EXPOSURE RADAR
Book continuity read - as of 2026-07-05
==================================================================
Total book AUM ........ $15,200,000
AUM in transfer motion $3,180,000 (21% of the book)
Heir coverage of that 25%
Uncovered & aging ..... $2,400,000 <- assets at real risk of walking
BOOK CONTINUITY SCORE . 55/100
VERDICT ............... EXPOSED
! AGING-BOOK TRIGGER FIRED
- Harmon Family holds 16% of the book ($2,400,000), is 85+, and has no
heir named. One imminent, concentrated, unengaged
relationship forces EXPOSED regardless of score.
----------------------------------------------------------------------------------
HOUSEHOLD AUM SHARE STATE VERDICT
----------------------------------------------------------------------------------
Okafor Household $3,600,000 24% Under 50 / Heir plan-engaged COVERED
Delgado Trust $3,000,000 20% 50-64 / Heir plan-engaged COVERED
Harmon Family $2,400,000 16% 85+ / No heir named EXPOSED
Whitmore Retirement $2,400,000 16% Under 50 / Heir met COVERED
Nguyen Family $2,200,000 14% 50-64 / Heir plan-engaged COVERED
Barrett Household $1,600,000 11% Under 50 / Heir plan-engaged COVERED
----------------------------------------------------------------------------------
5 covered - 0 watch - 1 exposed
FIX FIRST: Harmon Family
$2,400,000 at 85+, heir status: No heir named.
Engaging this household's heir removes the most
uncovered, in-motion AUM from the book per action.
Scores the book, never a person. Not legal, tax, or
investment advice. Confirm every plan with the client
and their estate counsel.
==================================================================Note the honesty: the book scores 55 — an AGING number on the score alone — yet reads EXPOSED, because one 85+ household holding 16% of the book has no heir named. Engaging that one heir clears the trigger and lifts the whole book to SECURE.
Three rules that make the verdict trustworthy.
It scores the book, not people
Every number comes from AUM, an age band, and an heir-relationship depth you enter. It never scores, ranks, or assesses a client, and makes no claim about any individual.
No invented retention lift
The score is your own marks — the share of AUM in motion and how covered it is. There is no baked-in multiplier promising the assets stay. The number moves only when you do the work.
The trigger can't be averaged away
A material, imminent, un-engaged household forces EXPOSED regardless of score — the exact pattern an acquirer discounts. A flattering average shouldn't hide it, so it doesn't.
A preparation aid that grades your book's durability from your own numbers.
- A deterministic, offline read of your book's exposure to the wealth transfer.
- A ranked fix-first list — the heir relationship worth deepening next.
- M&A and continuity prep: the trifecta metric buyers price, computed on yourself.
- A workbook plus a runnable engine that batches a large book from a CSV.
- ✕A tool that scores, ranks, or assesses any person — it grades the book, never a client.
- ✕A retention forecast or a guarantee that any heir stays.
- ✕Connected to your CRM or custodian — it reads only the numbers you enter.
- ✕Legal, tax, or investment advice, or a substitute for estate counsel.
This is a planning aid, not advice. It does not score or rank people, is not for any employment, hiring, credit, or client-suitability decision, and is not legal, tax, or investment advice. Confirm every plan with the client and their estate attorney.
Advisors and firm owners who can feel the book aging but can't yet see it.
Solo & small-team RIAs
You know a handful of clients carry most of your AUM and several are in their 80s. Find out exactly how exposed that makes you — and which heir to call first.
Firm owners eyeing a sale or merger
Buyers price the trifecta. Run the same read on yourself 12–36 months out, so the aging-book discount is fixed before diligence finds it.
Advisors building a next-gen practice
Turn 'engage the heirs' from a vague resolution into a ranked, dollar-weighted worklist you can execute in 90 days.
Multi-advisor firms
Score each advisor's book on the same standard and see where the continuity risk actually sits across the firm.
Run the whole risk desk on your own practice.
Customer-Concentration Risk Gate
The revenue-share twin: how exposed you are if a top account walks. Same computed-from-numbers shape.
ViewThe Key-Person Risk Audit
The continuity question one level down: could the firm run if a load-bearing person vanished?
ViewAcquisition-Offer Survival Audit
Selling the firm? Run sell-side diligence on yourself before a buyer's team does it for you.
ViewThe answers advisors ask for first.
Find the aging in your book
before a bad quarter does.
One purchase, lifetime access, 12 months of updates. $99, once.
Scores the book, never a person. A deterministic planning aid — it does not score or rank people and is not legal, tax, or investment advice. Confirm every plan with the client and their estate counsel.
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