What you're looking at
A live Constellation deployment is currently running for an insurance roll-up acquirer in the Southeast US. The deployment tracks 390 entities — target agencies, producer recruits, carriers, signal events — through five scoring engines and eight cross-intelligence layers.
That deployment is Path A: insurance, succession-led, regional. It works.
Path B is the same architecture pointed at the RIA-succession universe. Same engines. Same composite-score discipline. Same eight cross-intelligence layers. Different vertical.
What follows is multiple slices of the Path A output, anonymized, with side-by-side notes on how each slice translates when the engine runs against an RIA-buyer's footprint instead.
Path A — Acquisition Sequence Phase 1
Phase 1 — pursue now (top tier). Sorted by composite urgency × strategic-fit. Top 10 of 202.
| Row | Geo | Revenue band | Succession risk | Composite | Window | Phase |
|---|---|---|---|---|---|---|
| 01 | FL · Tampa metro | $4–6M | CRITICAL | 92 | 14 days | Phase 1 |
| 02 | GA · Atlanta metro | $3–5M | CRITICAL | 89 | 21 days | Phase 1 |
| 03 | NC · Charlotte | $5–8M | HIGH | 87 | 30 days | Phase 1 |
| 04 | TN · Nashville | $2–4M | CRITICAL | 86 | 30 days | Phase 1 |
| 05 | FL · Jacksonville | $6–9M | HIGH | 84 | 45 days | Phase 1 |
| 06 | SC · Charleston | $3–4M | HIGH | 82 | 45 days | Phase 1 |
| 07 | GA · Savannah | $2–3M | CRITICAL | 81 | 30 days | Phase 1 |
| 08 | AL · Birmingham | $4–6M | HIGH | 80 | 60 days | Phase 1 |
| 09 | KY · Louisville | $3–5M | HIGH | 78 | 60 days | Phase 1 |
| 10 | MS · Jackson | $2–3M | CRITICAL | 76 | 45 days | Phase 1 |
Phase 2 holds 40 more rows; Phase 3 holds 60. Cumulative premium by phase. Carrier-appointment overlap recomputed every cycle.
Path A — Cross-Reference twofers
The Cross-Reference engine identifies broker × agency overlap pairs ("twofers"). 21 high-confidence pairs flagged in the live deployment.
| Pair | Agency band (geo) | Producer band (book) | Overlap signals | Combined-value est |
|---|---|---|---|---|
| CR-01 | NC · Charlotte · $5–8M | $1.4M book | EMPLOYED_AT + 3 shared carriers | $7.4M |
| CR-02 | FL · Tampa · $4–6M | $0.9M book | 4 shared carriers + same metro | $5.9M |
| CR-03 | GA · Atlanta · $3–5M | $1.1M book | EMPLOYED_AT + line-spec match | $5.1M |
| CR-04 | TN · Nashville · $2–4M | $0.7M book | 5 shared carriers | $3.7M |
| CR-05 | SC · Charleston · $3–4M | $0.6M book | 3 shared carriers + same city | $3.6M |
In a Path B deployment, this becomes RIA × CPA × trust-attorney triangulation. Same engine; the relationship types swap to advisor-side referral graphs.
How the same shape lands on an RIA buyer's footprint
| Path A — insurance | Path B — RIA |
|---|---|
| Premium / commission revenue | AUM / fee revenue |
| Succession risk (sole-CRD, age, fund-vintage) | Sole-prop, advisor age, ADV vintage |
| Carrier appointments | Custodian platform + sub-advisor relationships |
| Producer recruit pool | Junior-advisor poaching pool |
| Loss-ratio / E&O claims | ADV amendments / disclosure events |
| Carrier concentration risk | Custodian concentration risk |
| Broker-of-record flight risk | Advisor-departure flight risk |
| Acquisition Sequence (Phase 1–4) | Same — RIA cohort sequencing |
| Cross-Reference (broker × agency) | RIA × CPA × trust-attorney triangulation |
| Revenue Uplift Map | Same — by state, by AUM band |
| Synergy Map (geo + carrier + product + size) | Synergy Map (geo + custodian + service mix + AUM) |
| Competitive Clusters (per state, monopoly risk) | Competitive Clusters (per metro, RIA density) |
| Carrier Concentration | Custodian + TAMP Concentration |
| Flight Risk (post-acquisition broker leaving) | Flight Risk (post-acquisition advisor team leaving) |
| Deal Dependencies (more / less attractive after) | Same — bundle optimization for RIA aggregator |
| Composite-score formula + threshold bands | Identical — recalibrated to RIA distribution |
The composite-score formula is unchanged. Threshold bands (Hot ≥85, Priority 70–84, Watch 55–69) are unchanged. The eight cross-intelligence layers are unchanged. The output shape is the same six fields per row. What changes per vertical: the input pipelines, the threshold calibration, and the proprietary overlay's specific signals (insurance has carrier-appetite signals; RIA has wealth-event-overlay signals from the M&A corpus).
Path A — single-entity drill-down (Composite 89)
How a composite of 89 was assembled for Row 02. (Anonymized: GA · Atlanta metro, $3–5M revenue band, CRITICAL succession risk.)
Stacked Score
- Tier 1 — Deterministic+58 / 62 max
Sole-CRD-equivalent confirmed; principal age 64; lease expiration 9 months out; auditor turnover within 12 months; entity-modification within 6 months.
- Tier 2 — Statistical+18 / 21 max
Hiring velocity flatlined 24 months; peer-firm transaction velocity up 12%; commission-rate drift +35 bps; concentration-trajectory elevated.
- Tier 3 — LLM-Inferred+7 / 9 max
Bio language drift (third-person voice creep); successor-team language introduced in two press cadences; charitable-giving acceleration in 990 filings, +18% YoY.
- Tier 4 — Networkstub
Not run; CRM integration required.
- Proprietary overlay+6 / +14 max
Mid-cycle, submarket velocity rising.
One competing acquirer flagged.
Top-2 client appears in M&A corpus.
Stub.
Stub.
Stub — context-only on entities below Hot threshold.
58 + 18 + 7 + 0 + 6 = 89. Hot threshold. Recommended outreach window: 21 days.
The drill-down for an RIA advisor on Path B reads identically — Tier 1 swaps in ADV trajectory, registered-years cohort, custodian-migration filing; Tier 2 swaps in AUM-growth flatline, peer transaction velocity, payout drift; Tier 3 swaps in advisor-LP letter language drift, charitable acceleration. Composite formula is identical.
Why Path B is interesting now
The insurance deployment surfaced 17 CRITICAL-risk targets and 31 HIGH-risk targets in a single regional universe (~200 firms post-filter). Premium concentration in that cohort was $702M total. The architecture has been backtested against thousands of cohort-quality transitions across multiple market cycles.
The RIA universe is roughly an order of magnitude larger by firm count and far more fragmented by AUM. A Carolinas-anchored RIA buyer running the same architecture surfaces ~25–40 advisors at composite ≥70 in a 14-day pilot window. The discipline transfers.
The wealth-event overlay (top-client liquidity events surfaced from the M&A corpus) is far more potent in RIA than in insurance — a single client liquidity event materially changes an advisor's posture toward transition. That signal contributes +5 to +9 to composite scores when active and is exclusive to deployments running across both verticals.
What's redacted vs. what's kept
Firm names, principal names, addresses, exact revenue figures, carrier / custodian identities, phone numbers, broker-of-record / advisor names.
State, metro band, revenue band, succession-equivalent risk, composite score, recommended outreach window, phase tier, tier-by-tier signal contribution.
For the live demo, the engine runs against existing Constellation entities and shows real output with full identification — no list-assembly required from the buyer. The 5–10 advisor names of the buyer's own choosing get worked inside the 4-week Sprint, where they seed the full ranked roster.
The 4-week Sprint
The output above is anonymized. The Sprint produces the same shape against your own footprint, fully identified, on a four-week clock.
Footprint calibrated
Geography + AUM band defined. 5–10 advisor names of your own choosing seeded into the engine. Those names get the full Tier 1 + Tier 2 stack, plus the rest of the universe at composite ≥70.
LLM-inferred layer
Tier 3 LLM-inferred signals added; deep-intel briefs on the top five advisors.
Movers + banker triangulation
Movers report and banker-led-process triangulation flagged — when an advisor is already on a recruiter's call list or in early conversations with a banker, you see it.
Ranked roster delivered
Final ranked roster of 40–60 advisors, recommended outreach windows on the top fifteen, warm-intro hypotheses where the Tier 4 (trust-attorney / CPA / custodian-rep) graph is integrated, and a recap memo your investment committee or partner meeting can underwrite.
A working acquisition playbook for your footprint — advisors you can approach, windows you can calendar against, banker-led pressure flagged six to twelve months before it lands on the same names. One closeable advisor the existing process would have missed pays for the sprint several times over.
The pricing sits between the 14-day Pilot (single-slice, one-time) and the always-on Continuous Engagement (47-signal stack, exclusive territory, recurring). The Sprint is the "show me four weeks of real output for my footprint" tier — the deliverable that earns the Continuous Engagement conversation.
What the conversation covers
The doc shows Path A output across four engines and the cross-walk to Path B. The 30 minutes covers:
- How Path A was assembled — input layers, scoring formulas, composite weighting.
- What's verbatim portable to RIA, what's vertical-specific, and what gets re-calibrated for the RIA-succession use case (specifically the wealth-event overlay and the threshold-band recalibration for longer succession windows).
- What a Path B pilot looks like for a Carolinas RIA aggregator: 14 days, single geography, 25–40 advisors at composite ≥70 ranked, with full signal disclosure.
Thirty-minute call
We run live engine output on the call against the existing Constellation corpus — full disclosure on every signal that fires, no homework on your end. If the math works, the next step is a 4-week Sprint built around 5–10 advisors of your own choosing.
James Stephan-Usypchuk · Co-Founder, Ecliptica · james@ecliptica-ops.com
Appendix — Anonymization rules
Every entity ID in this sample is a pseudonym anchored to a deterministic hash of the original record. Same hash → same row across views; the cross-references are real (CR-01's agency band ties to a specific row in the acquisition sequence) — only the labels are masked.
Signal counts and confidence weights are unmasked. Composite scores are unmasked. Phase tier and recommended window are unmasked. The engine's math is visible end-to-end; only the names are not.
For the live demo, the engine runs against existing Constellation entities and shows real output with full identification. The 5–10 advisor names of the buyer's own choosing get worked inside the 4-week Sprint, where they seed the full ranked roster.