The Nested Hall

Creary_2026-08-22_M1

Creary

M1 briefing room · no paper Wednesday · Saturday is the tax partner

First sale call in 90 days · ~2 hours vs 30-min slot · two more hours booked

Trust

9

Paper Wednesday

NO

M1 performance

8/10

Closed deals in the book fund solar/Roth first, then insurance from tax-clean dollars. Insurance-first failed in that corpus. Wednesday is illustration only because he scored IUL 9–10. Do not take paper. Saturday runs the eleven moves.

Markdown JSONCopy the email

Household

Chris
Chris Creary, 53. Arlington Heights, IL (O’Hare). CPQ software 18 years (Oracle 8). Startup → ServiceNow. QSBS five-year clock ends next month. Federal exclusion; Illinois 4.95%. Chase 24 years. Existing advisor in the picture. Flying 20 years; commercial then multi; wants fractional/NetJets, 7 on / 7 off, $60–120k. Jennifer already approved the schedule.
Jennifer
Jennifer Zaharski, 59. Career high-school psychologist, pension, retired begrudgingly, long-term sub, yoga, ukulele. She asks the good questions after he vets. Not on M1 Zoom. Psychologist — she will not inherit a husband’s two-hour high. Pages transfer; stories don’t.
Zach
Zach Creary, 19. UW–Madison biomedical engineering. Careful, cerebral, chess, Calc 3, robotics strategy. Design constraint: he is set so a bad chapter never puts him in a bind.
Place
House and lot they love. Echo Lake (Tahoe) — rustic, no electricity, dad’s ashes. Cabin is a maybe, not the close.

How they decide

Intellect 8.5/10. Internal first, then Jennifer. Spreadsheets over stories. “If it’s legal, it’s legal.”

  1. 01He gathers (sites, statutes, spreadsheets, names the product so he can study it).
  2. 02He builds a model (durability of the code, exit hatch, Illinois tax to the penny).
  3. 03Jennifer interrogates after he vets.
  4. 04A specialist verifies (CPA / tax partner / existing advisor).
  5. 05They commit to a step, not a stack.

3–4 (M1 intake · M2 evidence · M3 tax partner · Jennifer + CPA).

Untied

  • Jennifer not in the room

    done 2/10

    She vets. No spouse, no paper.

    Wednesday only works if she’s on camera.

  • No statements / returns

    done 1/10

    Cannot do Roth math, IRMAA, or credit capacity.

    Same-day email. No docs → Saturday is another intake.

  • QSBS / ServiceNow next month

    done 3/10

    Live tax event. Illinois 4.95%. More real than 0% theater.

    Map shares: basis, holding period, IL tax, sell / gift / hold. Month-one money.

  • Existing advisor

    done 2/10

    You named yourself “not a threat.” He still has one.

    Second opinion, specialist, or replacement? Jennifer should hear that.

  • How 0% Roth actually works

    done 2/10

    He already hit the brakes.

    Tax partner Saturday. You do not re-pitch it Wednesday.

  • IUL liquidity / 50% years / bank-ledger

    done 2/10

    He will Google this.

    Illustration only. No 50%. No can’t-lose. No Chase 900%.

  • LTC standalone vs rider

    done 4/10

    He ranked LTC #2 because of his sister. You folded it into IUL.

    Show both. Let him point.

  • Annuity while still taxable

    done 6/10

    You already said you won’t take that app.

    Keep that sentence forever.

  • CPA

    done 3/10

    He asked if you’re CPAs.

    Name the person. Jennifer invited.

  • IRA / income / conversion capacity

    done 0/10

    Middle of the tape truncated. Credits stay zero until numbers.

    Get the stack before Saturday.

  • Have they filed 2025?

    done 0/10

    The gate on every close in the book. Never asked.

    First financial question Wednesday or Saturday.