Small Business Wealth Firewall (WFP)
Prospect Qualification & Contingent Pivot Workflow
Incoming Prospect / New Lead Start
Initial lead intake via campaign response or direct inquiry.
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Stage 0: Worst-Case Screen (Gate 1 & Critical Filters) Hard Stops
Evaluate background risks before any structural work begins:
- Active / Imminent Creditor Dispute: 🛑 STOP. Full engagement pause. Resolve dispute via legal channels first (fraudulent-transfer risk).
- Acute Cash-Flow Crisis / Insolvency: 🛑 STOP. Stabilize operating cash flow or refer to bankruptcy counsel.
- Divorce Already Filed: 🛑 STOP. Resolve through family court first. Spouse is an adverse party.
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Stage 1: Full Inventory & Document Collection Diagnostic
Gathering all guarantee documents to solve the core "nobody ever adds it up" problem:
- Catalog every active personal guarantee (bank loans, leases, lines of credit, vendor agreements).
- Identify total aggregate exposure and unearth hidden co-signed or legacy obligations.
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Stage 2: The Legal Fork Pivot Point
Determining whether debt fits Gordon's mentoring lane or requires direct legal intervention:
- Standard & Current Bank Loans / Lines / Leases: Routes to Gordon's mentoring lane for after-tax cost debt sequencing and net worth concentration review.
- Merchant Cash Advances (MCAs) / Unusual Language: Routes immediately to a LegalShield attorney to review confession-of-judgment clauses, cross-default risks, and state enforceability.
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Stage 3: Prioritization & Specialist Tracks (Parallel) Execution
Running relevant tracks simultaneously based on diagnostic findings:
- Legal & Continuity: Buy-sell drafting, entity formality reviews, and governance checks.
- Insurance Resizing: Aligning coverage gaps against actual active personal guarantees.
- Hard-Asset Diversification: Introducing non-correlated asset strategies to decouple personal wealth from industry risk.
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Stage 4: Implementation & Ongoing Maintenance Loop Retention
Finalizing the firewall structure and establishing annual review triggers for new loans, partner exits, or structural business changes.