The Decision Memo
A corridor-specific decision audit for live cross-border moves. Tax drag is one layer. The memo tests the whole structure before capital is committed.
One verdict: Proceed. Restructure. Abort.
How One Audit Covers
Five Dimensions
Tax drag is one layer. Succession, crisis resilience, structural integrity, and pattern intelligence reveal the rest.
Each advisory mandate covers one dimension. The audit runs all five simultaneously.
GCC family. Four jurisdictions. $406,018 leaving annually.
UK property: compliant holding structure. Jersey trust: compliant. UAE: zero-tax jurisdiction. US: NRA exemption applies. No flags from any of the four.
ATED: $185,356/yr. IHT tail: $114,300/yr. Jersey drag: $63,500/yr. UAE CT on natural persons >AED 1M: $42,862/yr. US NRA estate exposure: $3,970,000.
Four blind spots. $406,018/yr avoidable. Window: before April 6.
The layers no single mandate covers.
Heirs designated in trust documents. Estate plan reviewed. No immediate succession risk flagged.
G3 durability test: FAIL. Jersey trust structure triggers forced distribution at generation 3 without amendment. Crisis stress score: 38/60. Below the PROCEED threshold.
Three scenarios modeled: Base (65%): drag locked in. Stress (20%): enforcement + AED exposure, drag +41%. Opportunity (15%): restructure before April 6, drag eliminated.
1,875+ developments. One honest verdict.
1,875+ verified HNWI developments cross-referenced against this corridor. UAE 9% CT enforcement pattern: 2025, most structures unaware. Jersey forced distribution: three comparable family structures hit the same failure point. UK IHT + ATED compound: 2024 enforcement uptick confirmed in development record.
Based on verified Q1 2026 audit. All figures sourced to statute. What does your corridor cost?
Frequently Asked Questions
About the Decision Memo
What exactly is a Decision Memo?
A Decision Memo is a corridor-specific decision audit across five dimensions: structural drag, succession integrity, crisis resilience, structural intelligence, and HNWI pattern intelligence (1,875 documented developments cross-referenced against your corridor). One verdict: Proceed, Restructure, or Abort. 40 pages. Sourced to statute. 48 hours. NDA signed before sensitive information is exchanged.
What do you need from me to run the audit?
A scenario description only. No entity names, no documents, no structure exposure. You describe the move: the jurisdictions, the asset types, the rough values, the timeline. We run the audit against 1,875 documented intelligence developments and return the verdict. An NDA is signed before sensitive information is exchanged.
How does this complement my existing advisors?
Each advisor mandate is designed for one dimension: jurisdiction, succession, tax, or liquidity. None are mandated to run all five simultaneously, nor to cross-reference 1,875 documented HNWI developments against your corridor. We fill the gap between mandates, not the mandates themselves. We complement, never compete.
What does it cost?
The Decision Memo is the paid work. We discuss engagement structure once fit is confirmed and the memo is clearly the right tool for the case. For context: the GCC family audit in our case study identified $406,018 in annual avoidable drag.
Need to clarify fit? Use the confidential fit review.