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Return to Office — Action Plan & Artifact Index
Section titled “Return to Office — Action Plan & Artifact Index”Everything needed to resume · September 2026
1. Where the project stands
Section titled “1. Where the project stands”Phase 1 complete. 62 strategy candidates discovered, categorized, and documented with reasoning — including the rejections.
Phase 2 complete. Filtered to a working library. Methodology built and tested: the zero-opportunity-cost filter, behavioural primacy, the five-number card, split confidence, the risk ladder, the Worth It filter, decline typing.
The offering is defined. Market Drop Opportunity Discovery — a 45-minute advisor-delivered client process, supported by the Opportunity Quantifier. Three objectives: deeper client understanding, retention, earned referrals. Pilot kit is complete and runnable.
Nothing has been tested with a real advisor or client. That is the next step and it gates everything after it.
2. Artifact index
Section titled “2. Artifact index”Context — load into the knowledge base
Section titled “Context — load into the knowledge base”| File | Contents |
|---|---|
market-drop-wins-master-log-v2.md | Complete project context. Scope, methodology, all findings and numbers, errors corrected, parked items, reference figures. Self-contained. |
market-drop-wins-library-v2.md | The filtered strategy library. Risk ladder, decline types, harmful list, premium playbooks, Smart Debt bridge. |
The pilot kit — runnable now
Section titled “The pilot kit — runnable now”| File | Contents |
|---|---|
advisor-reference-card-v1.md | Two pages the advisor holds during the meeting. Flow, opening lines, harmful nine, objection handling, referral sequence, boundaries. |
pilot-kit-v1.md | Client selection guidance · Client Inventory · plan template · follow-up email · feedback form. |
pilot-package-additions-v1.md | Advisor recruitment note · the three-box segment filter. |
opportunity-quantifier.html | The calculator. Working prototype, mobile-first. |
harmful-list-draft-v1.md | The free lead magnet. Twelve entries. Needs voice pass and figure verification. |
decline-checklist-v1.md | One-page client leave-behind for use during an actual decline. |
Supporting analysis
Section titled “Supporting analysis”| File | Contents |
|---|---|
advisor-worth-it-framework-v1.md | Advisor economics. Which activities clear $500/hour and why scale beats one-to-one by 20x. |
80-20-audit-v1.md | What was cut from the process and why. The discipline to hold. |
market-drop-opportunity-discovery-v1.md | Full process specification (pre-audit; the audit supersedes parts of it). |
naming-value-model-referrals-v1.md | Naming rationale, the three-part advisor value model, referral language. |
grossup-friction-and-employer-channel.md | RRSP Gross-up implementation ladder; the employer channel, parked. |
guide-skeleton-v1.md | Structure for the paid Guide. Stage C. |
market-drop-wins-mvp-plan-v1.md | Launch sequencing. Partly superseded by this document. |
skew_test.py, skew_test2.py | The rejected convexity test. Re-runnable with real option data. |
3. Action plan
Section titled “3. Action plan”Immediate — can be done before the office
Section titled “Immediate — can be done before the office”☐ Read the harmful list draft and put it in your voice. It is the free lead magnet and the piece every client sees. Verify the flagged figures.
☐ Send the recruitment note to three advisors. Not more. Choose people who will be blunt.
☐ Decide two open questions: – Does monitor enrolment sit with the advisor or centrally? Advisor-branded protects their relationship; centrally held gives you the list and the ongoing relationship. Significant business-model choice. – Pricing model: one-time licence, subscription, or bundled with the monitor?
Week 1 back — Claude Code
Section titled “Week 1 back — Claude Code”☐ Run the Discovery on yourself. You have the numbers. Validates the arithmetic and the flow before anyone else sees it.
☐ Build Monitor Market. Specification in master log §5.3. Daily close, −20% and −30%, prior all-time closing high, re-arms on new high, persists state, logs every reading. Existing notification utility. Build so a second rule type can be added without rework.
☐ Production-format the pilot kit. Reference card as two pages. Inventory, plan and checklist as printable one-pagers. Advisor-brandable.
☐ Add the three-box segment filter to the Inventory.
Weeks 2–4
Section titled “Weeks 2–4”☐ Three pilot Discoveries. Each advisor, one real client they want to keep. Mid-tier, not A clients.
☐ Collect the feedback forms. The single question that matters: was any part of this too much?
☐ Cut what the feedback says to cut. Something will need cutting.
After the pilot reports
Section titled “After the pilot reports”☐ Build the Briefing — it should encode what worked, not what was predicted
☐ Build the outreach email template and trigger campaign (highest ROI in the framework at ~$6,667/hour, but useless until the monitor runs and clients have plans)
☐ Build the segment overlays the tick boxes show are needed
☐ Build the advisor ROI calculator as a sales tool (near-trivial; five inputs)
☐ Draft the paid Guide from guide-skeleton-v1.md
☐ TSX total-return decline data and the trigger probability parameter
☐ Then, and only then, consider unparking Buy More Low
4. Decisions already settled — do not reopen
Section titled “4. Decisions already settled — do not reopen”| Decision | Settled as |
|---|---|
| Label for guaranteed-benefit strategies | Can’t Lose (also negative risk in the Smart Debt universe) |
| Process name | Opportunity Discovery — works for advisor and client |
| Tool name | Opportunity Quantifier |
| Trigger thresholds | −20% and −30%, closing price, from prior all-time high, domestic index, local currency, nominal |
| Trigger measurement vs analysis | Triggers on price index; all outcome analysis on total return |
| Core tier excludes leverage | Yes — it is what makes the process shippable without a compliance project |
| Segmentation | Filter on the client’s circumstances, not the advisor’s niche. Segment the packaging, unify the process |
| Client selection | Don’t spend the process on clients you don’t want to keep or replicate. Mid-tier clients are legitimate targets |
| Framing | You are not racing the crash; you are racing the preparation window |
5. Parked — do not resume without displacing the current Big Rock
Section titled “5. Parked — do not resume without displacing the current Big Rock”Buy More Low (full implementation) · SD-13 insurable mortgage tier · the Mortgage Decision Suite and broker channel · LEV-11 corporate equity meltdown · LEAPS and options routes · post-drop convexity (tested and rejected) · the employer group-RRSP program (with the group-benefits-advisor reframe).
Full state on each is in master log §6 and the Gross-up document.
⚠ The Gross-up document is not in the vault. Searched vault-wide 2026-09-22; nothing matches. It is the blocking source for rrsp-gross-up-loan, which is now in the Strategy Library on Market Drop Wins’ own description alone.
Unparked 2026-09-22 — the non-debt Can’t Lose supplement
Section titled “Unparked 2026-09-22 — the non-debt Can’t Lose supplement”No longer frozen. The CEO decided on 2026-09-21 to fold the entire Market Drop Wins library into SDC/IP/Strategies/ with domain: debt as the default view — nothing excluded, nothing duplicated, and the not-debt set one toggle away rather than a second library. That decision unparks this item deliberately, and it is the one change to this section.
Status: decided, scheduled, not yet built. The debt half landed on 2026-09-22 — 7 new records, 5 overlaps reconciled, schema v0.5. The ~30 not-debt strategies and the Harmful / Not Worth It sets are the remaining work, tracked in sdc-ip-mdw-strategy-foldin §4–§6. It is comparable in size to the original 25-strategy build, so it is scheduled as its own session and re-ranked against the Biggest Rocks before it starts — the discipline in §6 below still applies to it.
6. The two disciplines to carry
Section titled “6. The two disciplines to carry”Big Rocks only, biggest first. When something new looks appealing, the test is whether it displaces the current Big Rock — not whether it has merit. Seven items are parked above; every one was parked because it was genuinely good. (Eight until 2026-09-22, when the CEO unparked the non-debt Can’t Lose supplement.)
Focus + Worth It, at every stage, for the advisor first and the client second. A process advisors admire and never run is worth nothing. Every addition faces one question: what does this displace?
7. The single most likely failure
Section titled “7. The single most likely failure”Not that the strategies are wrong. Not that the process is weak.
That it grows. Every component added moves it toward the size where an advisor reads it, agrees it is excellent, and never books the meeting. The pilot exists to find what to cut, not what to add — and if the feedback produces a longer process, something has gone wrong in how the question was asked.