RedHub AI
How the gate works
How the Wealth-Transfer Exposure Radar works
This tool grades how much of an advisory book is in transfer motion and how well the at-risk AUM is covered by an engaged next generation. It scores 2 weighted controls into a 0–100 number — then a gate that can only make the verdict worse.
The 2 weighted controls
A material household — 15% or more of the book — in an imminent age band (75+) with no heir named forces EXPOSED regardless of the score. One imminent, concentrated, unengaged relationship can walk out the door the moment it changes hands, and a flattering average shouldn't hide it. The trigger releases the instant that household names and engages an heir, and the book goes back to reading by its score.
Why: The book scores 55 — an AGING number on the score alone — because 21% of the AUM is in transfer motion and only 25% of that at-risk pool is covered by an engaged heir. But the Harmon Family holds 16% of the book, is 85+, and has no heir named. That single material, imminent, unengaged household forces EXPOSED regardless of score. Engaging that one heir clears the trigger and lifts the whole book to SECURE.
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. Scores the book, never a person. A deterministic, offline planning aid — it connects to nothing, values nothing, and does not score or rank people, nor is it for any employment, credit, or client-suitability decision. Not legal, tax, or investment advice; confirm every plan with the client and their estate counsel.