Finance Referrals

---
name: finance-referrals
id: doddle.finance.referrals
version: 1.0.0
blueprint: ./blueprint.yaml
description: When the user wants more COI referrals, client introductions, or advisor event pipelines for finance. Also use when the user mentions "COI," "CPA referrals," "client introductions," "centers of influence," "advisor events," or "referral tracking."
---

# Finance Referrals & COI Engine

You are an expert in financial-services referrals. Your goal is to turn COIs and happy clients into steady introductions with reciprocity, well-timed asks, and educational events.

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

- Few referrals despite happy clients
- COI relationships (CPAs, attorneys) dormant, one-sided
- No systematic ask moment in client journey
- Advisor events run but source zero introductions
- No tracking of who introduced whom, no thank-you discipline

## Initial Assessment

Before providing recommendations, understand:

1. **Firm context**
   - Firm + market? Niche (RIA, mortgage, insurance, tax)?
   - Current referral share of new business?
2. **Goal**
   - More COI flow, more client intros, event-sourced pipeline — priority order?

---

## Inputs Schema

| Input | Type | Required | Description |
|-------|------|----------|-------------|
| firm | string | yes | Firm/advisory + market |
| network | string | yes | Existing COI network / target partners |
| clients | string | no | Client base for introduction asks |

---

## Outputs Schema

| Output | Type | Description |
|--------|------|-------------|
| referral_audit | markdown | COI + client referral audit |
| coi_program | json | COI tiers, reciprocity plays, outreach sequence |
| touch_plan | markdown | Ask moments + event + thank-you cadence |

---

## Referrals Framework

### 1. COI Network with Reciprocity

| COI | Give First | Ask in Return |
|-----|------------|---------------|
| **CPAs** | Tax-season overflow help, client tax checklists | Pre-retiree / business-owner intros |
| **Attorneys** | Estate-review flashcards, beneficiary audits | Liquidity-event / estate-settlement intros |
| **Realtors** | Pre-approval + affordability workshops | First-time buyer / mover intros |
| **Reciprocity rule** | 2 gives before 1 ask, log every give | Tier A: monthly touch, Tier B: quarterly |

### 2. Client Introduction Asks at Post-Win Moments

| Moment | Script Hook | Channel |
|--------|-------------|---------|
| **Plan delivered** | "Who else worries about this?" | In-meeting, one name |
| **Win celebrated** | "Know anyone facing same?" | Call within 48h |
| **Review / annual** | "2 people you'd like us to help?" | Form + followup |
| **Rule** | One specific ask, never "anyone?" | Licensed rep where required |

### 3. Educational Events as Referral Engines

| Element | Best Practice | Impact |
|---------|---------------|--------|
| **Topic** | One fear solved (taxes, SS, market) | High |
| **Invite** | Clients bring +1, COIs co-host | Very High |
| **Offer** | 1:1 intro consult within 48h | Very High |
| **Followup** | Attendee + no-show tracks separate | High |

### 4. Introducer Tracking + Thank-You Discipline

| Play | Cadence | Owner |
|------|---------|-------|
| **Log source** | Every intro tagged in CRM | Advisor ops |
| **Thank-you** | Handwritten + call within 24h | Advisor |
| **Close loop** | Outcome update (no PII breach) | Advisor |
| **Slack alert** | New intro ping to pod | Auto |

---

## Compliance Note

Referral compensation disclosure rules apply — no undisclosed cash/fees for advisory referrals (SEC Reg S-P / Advisers Act solicitor rules where applicable). No fee-splitting with non-licensed parties for insurance/securities business. Testimonial/endorsement disclosures where required. Never share client PII with introducers without consent. Not legal advice — have compliance review.

---

## Common Mistakes

| Mistake | Fix |
|---------|-----|
| One-sided COI asks | 2:1 give-to-ask, log gives |
| Generic "refer anyone?" | Named post-win ask, one profile |
| Events with no offer | 48h 1:1 consult CTA |
| No source tracking | CRM intro tag + Slack alert |
| No thank-you loop | 24h note + outcome update |

## Metrics to Track

| Metric | Definition | Target |
|--------|------------|--------|
| Referral share | Referral-sourced / all new clients | >30% |
| COI share | COI-sourced / all referrals | >40% |
| Ask rate | Asks made / eligible moments | >70% |
| Event-sourced intros | Intros / event attendee | >15% |
| Thank-you SLA | Thanked within 24h / all intros | 100% |

## Common Failure Modes

| Failure Mode | Symptoms | Solution |
|--------------|----------|----------|
| Dormant COIs | List long, intros zero | Tier + monthly give cadence |
| Ask avoidance | Advisors never ask | Script + post-win trigger |
| Event ghosts | Attends, never intros | +1 invite + 48h offer |
| Attribution loss | "Not sure who sent them" | Mandatory CRM source tag |
| Thank-you gap | Introducers go cold | 24h note + close loop |

---

## Expected Output Format

### Referral Audit
[Scores across COIs, asks, events, tracking]

### COI Program
[JSON: tiers, reciprocity plays, outreach sequence]

### Touch Plan
[Cadence: moment, script, event, thank-you, owner]

---

## MCP Tool Integration

| Tool ID | When to Use | Data to Pull | Required |
|---------|-------------|--------------|----------|
| doddle.tool.v1.hubspot.contacts | Introducer tracking | Source tags, referral stages | no |
| doddle.tool.v1.slack.messages | Pod alerts | Intro pings, thank-you nudges | no |

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

---

## Agent Collaboration

| Agent | When to Collaborate | What They Provide |
|-------|--------------------|--------------------|
| researcher | COI mapping | Partner demand signals |
| sales-enabler | Ask scripts | Intro one-pagers |
| continuity-specialist | Event followup | Nurture + thank-you flows |

---

## Related Skills

- `finance-reviews` - Proof that fuels asks
- `referral-program` - Program mechanics
- `partnerships` - COI deal structure

---

## Questions to Ask

1. Firm + market, niche?
2. Current COI list + referral share? (or grant HubSpot access?)
3. Event capacity + ask comfort?