RedHub AI
How the roll-up gate works
How the Referral System Health Scorecard gate works
This tool grades every advisor or branch's referral system across six dimensions, then rolls the portfolio up to its weakest firm. It reads 5 firms and rolls them into one verdict — the worst, never the average — then a gate that can only make it worse.
The 5 firms
Two overrides catch what a points total hides: a zero on compliance & disclosure forces AD HOC — an indefensible arrangement isn't a system — and a zero on BOTH growth dimensions (ask cadence and COI pipeline) forces AD HOC, because with no ask and no partner pipeline there is no engine at all. Either override beats the score, and one AD HOC firm makes the whole portfolio RUNNING ON LUCK.
Why: Two firms read SYSTEMATIC (94 and 93) and the points look healthy across the sheet — but two firms fail on override, not on score. Meridian scores 72 yet reads AD HOC because its compliance & disclosure dimension is zero; the Solo practice scores 62 yet reads AD HOC because both growth dimensions — ask cadence and COI pipeline — are zero, so there's no engine to grade. One AD HOC firm forces RUNNING ON LUCK.
No single firm is the crisis — the clustering is. The roll-up takes the worst, the gate escalates when trouble compounds, and it names the one thing to fix first. Grades a referral system from your own evidence marks — never people — and rules on no specific arrangement. Compensating referrals or using client testimonials touches the SEC Marketing Rule (Advisers Act Rule 206(4)-1); confirm any arrangement with your CCO or a qualified securities attorney. Not legal advice.