A 10-minute structured assessment that identifies planning gaps, resilience zones, and next actions before you ever open financial planning software. Life-stage calibrated. Approved as outside business activity.
Most advisor discovery is a form disguised as a meeting. Ten pages of risk-tolerance sliders, a data-gathering checklist, and a canned recommendation. That is not how real households think about their money — and it is not how we run first meetings.
RegiMint is structured the way an experienced advisor actually runs an intake conversation: seven phases, each with a purpose, unfolding one question at a time in plain language. It captures what matters, surfaces gaps that would normally take three meetings to see, and hands the advisor a picture of the household that is ready to act on.
The people behind the money.
Age, household structure, spouse or partner, and the honest confirmation of life phase — accumulation, transition, distribution, or wealth transfer. Everything downstream calibrates against this. A 55-year-old business owner and a 55-year-old physician near retirement have the same age and very different lives.
Can they invest at all, and how much?
Occupation, income stability, spending reality, and any large expenses on the horizon. This comes before the balance sheet on purpose. Most advisors get excited about assets and skip over whether the household has fundamentals in place. We screen fundamentals first — because a portfolio built on top of a shaky cash flow will be liquidated at the worst possible moment.
What has actually been built so far.
Total assets, how they are split across retirement accounts, taxable brokerage, cash, real estate, and business equity, plus the debt picture. Not a data-entry marathon — rough ranges and reasonable buckets. Precision comes later. What matters here is the shape of the balance sheet, not the exact number.
Every dollar has a job. What is this money's?
Who the money is ultimately for. When it needs to work. What success looks like in the household's own words. Most portfolios never get this conversation — they get a risk score and a model portfolio. Without the thesis, the portfolio is just an allocation. With it, every decision has a reason a client can defend to themselves.
What is quietly broken.
Protection, tax posture, estate documents, and behavior in the last real drawdown. This is where the gaps live — the disability policy that never got written, the estate plan that has not been touched in seven years, the tax leakage running in the background, the behavioral pattern from 2022 that neither advisor nor client wants to talk about. Naming them out loud is often the whole value of the meeting.
Three dimensions of risk — and the gaps between them.
Every advisor asks about risk. Almost none of them measure the three dimensions that matter separately: capacity (can you afford to take risk?), tolerance (how do you actually behave when volatility hits?), and perception (what do you tell yourself about your own risk appetite?). The mismatches between these three are where destructive investor behavior lives — the household that describes itself as aggressive and panic-sells at the bottom, the retiree with tolerance for volatility but no capacity to absorb it. Surfacing the mismatch is the discovery insight. Nobody else in the industry does this.
The framework becomes a portfolio.
Working-relationship preference captured, and then the framework generates the output. A resilience zone. The three-dimensional risk profile with any mismatches called out. The top three planning gaps ranked by severity. A recommended sleeve allocation pulled from the LinkPath nine-sleeve architecture, calibrated for the household's life phase, tax band, and asset size. Three concrete next actions. Not a report the client will file away — the anchor for the follow-up meeting.
Seven phases. Roughly nine minutes. Every question exists because it produces information the advisor will actually use. Every question was authored by an advisor who has run this conversation thousands of times, not by a product manager reading a market research deck.
This is what real discovery is supposed to feel like.
A schematic of the RegiMint output card — composite score, resilience zones across the five pillars, life-stage calibration, and the prioritized next actions. Live output is shown to pilot advisors on a screen-share.
RegiMint isn't a marketing gimmick or a "risk score" that everyone knows is theater. It's the operating system for advisor discovery.
Client output emphasizes planning indicators, resilience zones, and next actions — not objective, predictive, guaranteed, or FICO-affiliated claims. Every phrase reviewed for compliance safety.
Growth, Transition, and Retirement variants adjust weights while preserving a common output scale. A mid-career household is evaluated under a distinct transition-oriented standard rather than a near-retiree standard.
The initial product is for use in advisor meetings, not standalone consumer sign-ups. We prove the scoring and workflow with real advisors before licensing broadly. MyAidvisor is the eventual consumer layer.
RegiMint doesn't replace MoneyGuidePro, eMoney, or your firm's planning software. It runs before them — identifying which clients need which planning depth, and where the highest-leverage gaps are.
Run RegiMint in the first meeting to demonstrate depth and identify immediate value. Converts more prospects than a generic "risk questionnaire."
Re-run RegiMint annually to track resilience zone changes and re-prioritize planning work. Anonymized pilot data compounds advisor learning.
Referred prospects arrive with expectations. RegiMint shows them a discovery experience that justifies the referral immediately.
LinkPath is running a founding-cohort pilot with select advisors. Pilot participants receive early access, direct input into product roadmap, and preferred pricing at general release.