RedHub AI
How the gate works
How the Succession Continuity Tripwire works
This tool grades one advisory firm's readiness to survive the principal's exit — planned or sudden. It scores 6 weighted controls into a 0–100 number — then a gate that can only make the verdict worse.
The 6 weighted controls
A named-ready successor and a continuity agreement both at zero is a tripwire — no one positioned to take over AND no agreement to force or fund a transition means clients have nowhere to go the moment the principal is gone. Both zeros force NO SUCCESSION regardless of the score, and the wire releases the instant either half clears.
Why: Rivera Advisory scores 62 on strong operations, clients, and funding — on the number alone it would read EXPOSED. But both tripwire dimensions are at zero: no named successor and no continuity agreement. If the principal is suddenly gone the clients have nowhere to go, so the verdict is NO SUCCESSION no matter how polished the rest of the practice looks.
A high score didn’t save it. The score is context; the gate is the answer — and it names the one thing to fix first. Grades a firm's continuity posture from your own marks; it drafts no succession plan or agreement, values nothing, and scores no person. RIAs are expected to maintain business-continuity and succession arrangements — confirm yours, and have any documents drafted, with your CCO or a qualified attorney. Not legal, financial, or investment advice.