What is the check worth after year one?
The headline number restated after taxes, hurdles, payout changes, and the production targets that keep the note forgivable.
Framework crosswalkCompensation
An independent second opinion
The Data Shows the Patterns.
The Decision is Personal.™
Considering a firm change? Get an independent second opinion.
For practicing financial advisors with existing client relationships. Compare your current firm, a potential move, or an offer — staying is a valid outcome.
Or call Rick directly: (303) 246-4352
100% confidentialNo cost to advisorsStaying is a valid outcome
Why ask for one
Test the offer against the decision you need to make.
An offer can be attractive and still leave questions unanswered. Check the assumptions behind the projections, the terms of the note, and how the platform would support your practice.
A second opinion compares the offer with your current economics, tests the note terms against your production assumptions, and considers alternatives, including staying.
Read the transition-check guideWhat gets checked
Six questions the offer has to survive.
The presentation answers the questions the firm wants asked. The 6C framework adds the ones that decide how the move looks in year five.
What do the note terms cost you later?
Length, clawbacks, repayment triggers, and what happens if you leave — or are asked to leave — before the note is done.
Framework crosswalkCompensation + CapitalHow does it model at 3, 5, and 10 years?
The offer against your current economics over the horizons that outlast the transition check.
Framework crosswalkCompensationWill the platform align with the practice you run?
Technology, operations, compliance posture, and product shelf, tested against how your clients are actually served.
Framework crosswalkCapability + CompatibilityWhat is the firm like when things get hard?
Culture and peer community do not appear in the proposal, and they decide how the move feels in year three.
Framework crosswalkCulture + CommunityDoes the offer beat staying?
What your current firm would have to fix, what the offer is worth as leverage, and whether the honest answer is: stay.
Framework crosswalkCompatibilityHow it works
Four steps, inside your deadline.
Most offers come with a clock on them. A second opinion is scoped to the decision already in front of you, not a new search.
Share the context
A call or a short note: the firm, the structure, and where the conversation stands.
6C read
The offer is scored against your current platform and the alternatives it competes with.
Debrief with Rick
A direct conversation: what clears, what does not, and what to ask the firm before you sign.
Your decision
Sign, renegotiate, widen the search, or stay. All four are outcomes this process is built to reach.
FAQ
Second opinion questions.
Do I have to stop working with my recruiter?
No. A second opinion runs alongside the conversation you are already having. You are not asked to move your search to Continuum.
What does a second opinion cost the advisor?
Nothing. If you stay, or sign the offer you already had, you owe nothing.
Will my recruiter or the firm know I asked?
No. The conversation is confidential. Continuum shares nothing with any firm — including the one making the offer — unless you ask us to engage.
What if the offer holds up?
Then you will hear that. The job is to pressure-test the decision, not reverse it. Some second opinions end in: sign it, and here is what to negotiate first.
Before you sign
Get the second opinion while it can still change the terms.
Talk the offer through with Rick before deadline pressure does the deciding. If it holds up, you sign with a stronger case. If it does not, you found out in time. When an advisor moves through us, the receiving firm pays a fee under a recruiting agreement.
- 100% confidential
- No cost to advisors
- Staying is a valid outcome
Rick KerstiensCo-Founder & CEO
Speak directly with Rick
Request an advisor conversation
Choose a time that works for you.
A Decision Brief conversation. Rick reviews your message personally. Staying is a valid outcome.
Prefer phone or email?
Start the conversation
Tell Rick what you are weighing.
Share a little about your practice and decision, then choose a time. If you prefer to write, Rick can reply to your message.
Monitor Mode
Not ready? Put the decision on a watch.
If the timing is wrong, leave an email instead of booking a call. You can register interest in future Movement Pulse updates. Rick may follow up when a conversation would help.