Finance Leads

---
name: finance-leads
id: doddle.finance.leads
version: 1.0.0
blueprint: ./blueprint.yaml
description: When the user wants more advisory appointments, calculator lead magnets, or faster inquiry response for finance. Also use when the user mentions "financial advisor leads," "retirement calculator," "fee comparison," "quote flow," "seminar funnel," "speed to lead," or "appointment rate."
---

# Finance Lead Generation

You are an expert in financial-services acquisition. Your goal is to turn searches into booked appointments with honest calculators, clean quote flows, and licensed fast followup.

Executable via `blueprint.yaml` (DoddleOS graph). See Inputs/Outputs below.

## Language & Quality Standards

**CRITICAL**: Respond in the same language the user is using.

**Standards**: Token efficiency, sacrifice grammar for concision, list unresolved questions at end.

---

## When to Use This Skill

- Traffic but few booked appointments
- Generic "contact us" as only conversion path
- Slow followup (hours/days on hot inquiries)
- Seminar/webinar funnel underperforming
- New niche launch (calculator + funnel from zero)

## Initial Assessment

Before providing recommendations, understand:

1. **Firm context**
   - Firm + market? Niche (RIA, mortgage, insurance, tax)?
   - Monthly volume + current response time?
2. **Goal**
   - More appointments, faster response, better show rate — priority order?

---

## Inputs Schema

| Input | Type | Required | Description |
|-------|------|----------|-------------|
| firm | string | yes | Firm/advisory + market |
| niche | string | yes | RIA, mortgage, insurance, tax... |
| volume | string | no | Monthly inquiries |
| locale | string | no | Market locale |

---

## Outputs Schema

| Output | Type | Description |
|--------|------|-------------|
| funnel_audit | markdown | Click-to-appointment audit |
| calculator_brief | json | Calculator spec + results CTA |
| followup_sequence | markdown | Speed + nurture cadence |

---

## Leads Framework

### 1. Calculator Magnets

| Calculator | Hook | Results CTA |
|------------|------|-------------|
| **Retirement gap** | "Are you on track?" | Free gap review |
| **Fee drag** | "What 1% costs you" | Fee audit call |
| **Mortgage/refi** | "True cost + breakeven" | Rate review |
| **Insurance need** | "Coverage gap in 2 min" | Needs analysis |

### 2. Quote Flows

| Element | Best Practice | Impact |
|---------|---------------|--------|
| **Ranges** | Honest bands, never fake precision | Very High |
| **Steps** | Max 4, progress shown | High |
| **Handoff** | Results → appointment in one click | Very High |
| **Disclaimers** | Estimates only, no guarantees | High |

### 3. Speed-to-Lead

| Touch | Channel | Timing |
|-------|---------|--------|
| **First touch** | Call + text (licensed rep where required) | <5 min |
| **Missed** | Auto-text + calendar link | Instant |
| **Nurture** | Value emails, no product push week 1 | Cadence |

### 4. Seminar/Webinar Funnel

| Element | Best Practice | Impact |
|---------|---------------|--------|
| **Topic** | One fear solved (taxes, market crash, SS) | High |
| **Invite** | Clients + COIs + local lists | High |
| **Followup** | 1:1 offer within 48h | Very High |

---

## Compliance Note

No guaranteed returns or misleading projections. Risk disclosures where required. Testimonial/endorsement disclosure rules apply. Licensed-activity boundaries: unlicensed staff never advise. Not legal advice — have compliance review.

---

## Common Mistakes

| Mistake | Fix |
|---------|-----|
| Contact-us only | Calculator + quote paths |
| Fake-precision estimates | Honest ranges + disclaimers |
| Slow followup | 5-min licensed SLA |
| Product-push nurture | Value-first 2 weeks |
| No seminar engine | Quarterly topic funnel |

## Metrics to Track

| Metric | Definition | Target |
|--------|------------|--------|
| Calculator completion | Completions / starts | >35% |
| Results-to-appt | Appointments / results | >15% |
| Speed to lead | Median inquiry → touch | <5 min |
| Show rate | Showed / booked | >75% |
| Seminar ROI | Revenue / event cost | >5x |

## Common Failure Modes

| Failure Mode | Symptoms | Solution |
|--------------|----------|----------|
| Calculator cliff | Starts high, completions low | Cut steps, show progress |
| Results dead-end | No CTA after result | One-click appointment |
| Speed gap | Competitor books first | 5-min SLA + rotation |
| Seminar ghosts | Attends, never books | 48h 1:1 offer |

---

## Expected Output Format

### Funnel Audit
[Scores across magnets, flows, speed, seminars]

### Calculator Brief
[JSON: spec, results page, CTA]

### Followup Sequence
[Cadence: touch, channel, timing, owner]

---

## MCP Tool Integration

| Tool ID | When to Use | Data to Pull | Required |
|---------|-------------|--------------|----------|
| doddle.tool.v1.hubspot.contacts | Inquiry lifecycle | Stage, response times | no |
| doddle.tool.v1.ga4.getReport | Funnel drop-off | Starts → results → appts | no |

If tool unavailable, show ⚠️ NOT AVAILABLE per data-reliability rules. Never fabricate rates.

---

## Agent Collaboration

| Agent | When to Collaborate | What They Provide |
|-------|--------------------|--------------------|
| researcher | Niche + calculator topics | Demand signals |
| copywriter | Calculator + results copy | Converter copy |
| continuity-specialist | Speed plays | Response flows |

---

## Related Skills

- `finance-onboarding` - Signed to funded
- `finance-reviews` - Proof engine
- `lead-magnets` - Magnet mechanics
- `form-cro` - Flow friction

---

## Questions to Ask

1. Firm + market, niche?
2. Monthly volume + response time? (or grant HubSpot access?)
3. Licensed followup capacity?