How does APB Financial Architect work with CPAs?

APB Financial Architect partners with CPAs and estate attorneys through a structured referral model. The CPA introduces clients who have income protection or estate planning gaps. APB runs a diagnostic and delivers a written output the CPA can review. No products are discussed inside the referral conversation.

What do CPAs get from referring clients to APB Financial Architect?

CPAs who refer clients to APB Financial Architect strengthen their advisory relationship by connecting clients to a structured income protection diagnostic. APB handles the analysis, delivers a written Financial Exposure Map, and coordinates directly with the CPA. The CPA retains the primary client relationship - APB is a technical resource, not a competitor.

What is the APB referral process for CPAs in New York and New Jersey?

The referral process has four steps: the CPA identifies a client with an income protection or estate planning gap and makes a warm introduction to APB. APB runs the Financial Resilience Diagnostic and delivers a written Financial Exposure Map the CPA and client can review together. No products are discussed inside the referral introduction.

The APB Referral Partnership

For CPAs and estate attorneys who work with $150K+ clients. How this works in practice.

What APB does

APB Financial Architect handles the insurance and income protection layer for high-income households and business owners. The core offering is the Financial Resilience Diagnostic — a 45-minute structured review that produces a written one-page Financial Exposure Map: disability income gap, life insurance shortfall, retirement income structure, and cross-coordination across existing policies.

I work across multiple A-rated carriers — not tied to a single shelf. What goes in a client recommendation is what fits the situation, not what's available from one company.

How a referral works

One email from you

An intro email connecting your client to Peter. That's the entire ask. No forms, no process, no follow-up required from you.

Peter handles everything from there

Scheduling, the diagnostic session, the written Map. Your client receives professional, documented service. I do not involve you in the insurance conversation unless you want to be.

You receive a copy of the Map (with consent)

If the client consents, you get the one-page Financial Exposure Map after the session. It's a clean document — nothing in it creates work for you or changes your relationship with the client.

Any product recommendation goes through you first

If there's a coverage need identified and the client wants to address it, I'll flag it to you before moving forward. Coordination, not competition.

Clients who fit this best: $150K+ earners who have group LTD but haven't checked the gap. Business owners without key-person or buy-sell structure. Clients in the 50–65 window with long-term care exposure. Clients who have covered the financial basics but never stress-tested the income protection layer.

Referral fee disclosure: APB may receive a referral fee in arrangements with partner specialists (InheritGuard estate network, Bolt P&C). This is disclosed to clients in writing before any introduction. Your firm's referral arrangement, if any, is documented separately.

Schedule an intro call

20 minutes to see if the fit makes sense

Book at apbfinancialarchitect.com/coi