Holistiplan · Advisor Cheat Sheet

The P&C Seed Method

Five steps. ~4 minutes per client. No new expertise required.

Every tax season, you review the details that matter most — income, assets, properties, life changes. That's step one, and you're already there. What comes next is just five easy steps that turn the insights you already have into meaningful conversations and better protection for your clients.

Step1

Spot the Signal

While reviewing the return, flag any of the following:

Signal on the Return	What It Is Telling You
Schedule E — Rental Income	New property, new exposure
K-1 / Business Interest	Personal liability risk from ownership
Large Asset Sale	Net worth just jumped — coverage didn't
New Dependents	Family profile change — gaps often follow
Home Office Deductions	Business equipment on personal policy?
Jewelry / Art on Schedule A	Might be underinsured or unscheduled

Step2

Say One Sentence

In the client meeting, before you close:

"I noticed [mention one signal] this year. Have you reviewed your P&C insurance coverage on that recently? It's worth a quick look. I'll follow up after tax season."

That's it. That's the whole script. Don't over-explain it.

Step3

Leave Something Behind

Hand them (or email) the client one-pager:

Reinforces the conversation. Sets expectations for a future touchpoint. Gives them something to think about, without requiring anything now.

Where to find it: [Insert link or folder path]

Step4

Log the Flag

Before you close the file:

Add a note to your CRM / client folder — or even better, tag them in Holistiplan.

"P&C flag: [reason] — follow up May / June."

Holistiplan Tags: add one for P&C Report. This makes post-season outreach efficient and effective.

Step5

Follow Up in May

Block 2 hours in your calendar now. Pull your flagged clients. Send this email:

Subject: A quick follow-up from our [month] meeting — your P&C coverage

Hi [First Name],

Tax season revealed [new property / significant asset change / etc.] and that's exactly the kind of change that can quietly create gaps between what you're covered for and what you're actually protected against.

I'd like to do a P&C Insurance Coverage review while everything from this year is still fresh.

To get started, you can upload your current Home, Auto, Landlord and Umbrella insurance documents through this secure link: [Secure Upload Link]

Once I've reviewed what you have, I'll walk you through what looks good and flag anything worth reviewing with an insurance professional.

[Your name]

Action	Time
Spot the signal	Already happening
Say the sentence	30 seconds
Hand the leave-behind	15 seconds
Log the flag	1 minute
May follow-up email	2 minutes (template)
Total new effort	~4 minutes per client

"Your job is not to solve it. Your job is to surface it."