Confidential · For professional & internal use only · Not for distribution to clients or prospects
Golden Tree Capital Architecture
Partner Opportunity Calculator
A short diagnostic for RIAs, CPA firms, and life insurance agents to estimate the revenue, premium, and retention hidden inside the clients you already serve.
Most advisory firms already have the relationships. The hidden opportunity is identifying the capital, tax, estate, premium, and strategy gaps sitting inside the clients they already serve — without giving up the relationship.
Directional only. Designed to start a partner conversation, not to produce a formal valuation or projection. Golden Tree Capital Architecture is not a registered investment adviser and does not provide investment advice; securities advice is provided solely by the client's own adviser.
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Erik J. Cascio
Founder & CEO · Golden Tree Capital Architecture
An enterprise value and capital strategist with fifteen years in financial services. Erik began his career inside major financial institutions — JPMorgan Chase in business banking, followed by advisory and leadership roles at New York Life and a MassMutual firm — before founding Golden Tree.
Today he advises founders, ownership groups, and executive teams at the intersection of CFO-as-a-Service, capital strategy, advanced tax structuring, and succession and exit planning — for middle-market and ultra-high-net-worth clients, working in coordination with the client's RIAs, attorneys, and investment partners. He is the creator of the Capital Architecture™ framework and was named to Chicago's “40 Under 40” (Negocios Now).
Former: JPMorgan Chase · New York Life · MassMutual firmLicensed insurance producer — life, health, LTCCFO-as-a-Service & tax strategySuccession & exit planningCoordinates with RIAs, attorneys & PE40 Under 40 — Negocios Now
Step 1 · Firm Type
Step 1 · Firm Type
Which best describes your firm?
The calculator tailors its logic to your role.
Step 2 · Focus
How would you like to look at the opportunity?
Start with one client to see the depth of the method, or size it across your whole book.
Your Flagship Client
Tell us about the client you'd bring first.
Think of your most complex, highest-trust relationship — a business owner, a pre-liquidity founder, a real estate investor, or an affluent family. Rounded estimates are fine.
RIA inputs
CPA inputs
Life strategy inputs
Which gaps do you see in this client?
Book of Business
What does your current client base look like?
Use rounded estimates. This sizes upside — it is not a formal valuation.
RIA book
The last field is the average new investable capital per engaged client (held-away assets, post-liquidity proceeds, idle balance-sheet cash). Default reflects past Capital Architecture engagements; adjust it to your client base.
CPA book
Advanced-planning value is keyed to the tax dollars at stake (a share of average tax exposure), not to commodity prep fees.
Life insurance book
Hidden premium is modeled from reviewable relationships, business-owner exposure, estate liquidity, buy-sell and key-person gaps, policy reviews, and tax-efficient wealth transfer.
Hidden Opportunity
How much of your book may have untapped needs?
How many clients carry substantial annual tax exposure?
How much hidden premium is sitting inside your book?
Think high-net-worth families, business owners, real estate investors, liquidity events, estate gaps, held-away assets, and fragmented advisor teams.
Clients paying significant combined federal and state taxes represent the strongest opportunity for advanced planning, entity work, succession, and CFO advisory.
Think business owners, key executives, estate liquidity needs, older policies, underinsured households, and buy-sell or key-person gaps.
% of clients with hidden Capital Architecture opportunities
25%
5%70%
Estimated conversion after a concierge review
30%
10%80%
Which needs do you see across these clients?
How We Estimate
How CPA revenue expansion is modeled.
How life premium and strategy value is modeled.
Capital Architecture is a revenue-expansion layer on existing clients, not a replacement for compliance work.
Capital Architecture surfaces legitimate planning conversations, not generic product pitches.
Keyed to dollars at stake.
For each converted client, advanced-planning value is modeled as 8% to 15% of estimated annual tax exposure — because the value of planning tracks the taxes in play, not the price of a return. Gross margin on advisory work is modeled conservatively at 55% to 70%. Where a business value is present, CFO advisory is layered in.
What this captures.
Advanced tax planning, quarterly strategy reviews, entity optimization, estate coordination, succession and exit planning, lending readiness, and CFO advisory — coordinated through Golden Tree so your firm never has to become a sales organization.
Conservative premium modeling.
Hidden premium is estimated from reviewable relationships and a conservative conversion into advanced strategy cases — estate liquidity, income replacement, buy-sell funding, key-person protection, executive benefits, policy rescue, and tax-efficient transfer. First-year and renewal compensation use the rates you entered.
What this captures.
Not a guarantee of placement. It shows how much premium may be hidden in an existing book when clients receive a coordinated review connecting insurance to estate, business continuity, tax, lending, and wealth preservation.
Internal Record
Note this engagement (optional).
For your own internal records only. Nothing is sent externally. Continue to see the result either way.
Enter a valid email, or leave it blank.
Your Capital Architecture Partner Opportunity
Estimated value hidden inside this relationship
You keep the client. Always.
Golden Tree works behind the scenes as your Capital Architect. We do not custody assets, we are not introduced as a replacement for you, and we do not compete for the relationship. We design and coordinate the strategy, then hand the client back to you stronger — with your name still on the relationship. Strategy and planning fees are shared per your partner agreement.
Your firm may already have the relationship. The opportunity is finding the strategy gaps hidden inside it.
Opportunity categories surfaced
How this is modeled
Important Disclosures
Internal use. This worksheet is for professional and internal engagement-scoping use only. It is not a client-facing document and is not to be distributed to clients or prospective clients.
Role. Golden Tree Capital Architecture is not a registered investment adviser and does not provide investment advice, recommend securities, or manage client assets. Golden Tree provides financial architecture, coordination, sequencing, and implementation support across tax, entity, insurance, estate, and cash-flow strategy. Investment recommendations and securities transactions are provided and executed solely by the client's own registered investment adviser.
Insurance. Insurance products and services are offered through a licensed insurance producer (life, health, and AD&D). Any premium, commission, or coverage figures shown are illustrative only, are not a guarantee of placement or of compensation, and any insurance guarantees are subject to the issuing carrier's claims-paying ability.
Illustrative figures. All figures are hypothetical and directional, based on the assumptions shown and the inputs you provide. They are not a guarantee, projection, or prediction of actual results, and individual results vary. Any AUM, advisory-fee, or investment-related figures reflect the partner firm's own economics, not Golden Tree's.
Scope. This calculator is for informational and discussion purposes only. It is not an offer or solicitation, and it is not legal, tax, accounting, or investment advice. It has not been reviewed or approved by any regulatory authority.
Partner compensation. Any partner or referral compensation is governed by a separate written agreement and by applicable law, including insurance licensing and commission-sharing rules. Insurance-related compensation is available only to appropriately licensed parties, or to referral sources who do not sell, solicit, or negotiate insurance.
Schedule a Partner Opportunity Review
Bring your most complex relationship. We'll map the hidden capital and the coordinated strategy together — and show you exactly how the partnership works.
Directional estimate only. Final economics depend on service model, compliance rules, the partner agreement, and client adoption. Not investment, tax, or legal advice.