Cross-professional reconciliation
When two professionals' positions conflict, the system surfaces both to the principal — not to either professional.
From US-Law Plus · BVI will draft 05-09
“Westworld shares to Chenwen Yuan as primary; if predeceased, then equally among the deceased's then-living children.”
Standard substitute clause. Treats all children identically.
From BY&S CPAs · review note 05-10
“If Nate (US citizen) inherits any portion of Westworld, the company becomes a PFIC for him — Form 8621 annually + interest-charge regime on accumulated earnings.”
Compliance cost ~$2K/yr; potential tax hit on distribution.
RECONCILIATION · PFIC carve-out missing
USLP's standard substitute clause doesn't account for Nate's US citizenship. Without an explicit carve-out, any partial inheritance triggers PFIC reporting that BY&S would have to file every year. Neither professional sees the other's draft — the system surfaced this to the principal automatically. Principle 8 (citizenship hard constraint) · PFIC concept.
PRINCIPAL DECISION · 2026-05-10
Add explicit clause to Dan's BVI will: "In no case shall Hu Yue (Nathaniel Hu) inherit Westworld shares directly; his share, if any, redirects to the Children's Discretionary Trust." · Briefed both professionals with the revised clause.
Routed back to USLP for redraft. BY&S notified of resolution — no PFIC exposure expected.
Decision log
Every recommendation, every choice. Audit-grade history of what the principal accepted, deferred, or overrode.
2026-05-10
Add PFIC carve-out for Nate in Dan's BVI will (reconciliation above).
Recommended by: system · reviewed by USLP + BY&S
P8 citizenship hard constraint · PFIC concept
Accepted
2026-05-10
Use Malta passports MT251400 / MT251461 for BVI KYC; Chinese-character name fields blank.
Recommended by: system · executed by USLP
P8 compartmentalisation derived rule
Accepted
2026-05-07
Engage US-Law Plus over Hawksford for BVI formation.
Shortlist: Hawksford · Royalty SG · USLP · ICS
P9 family-first exhausted · no qualifying family BVI counsel
Accepted
2026-04-27
Chenjin Yuan (sister) as DCPA Trust trustee · Chenying Yuan as Trust Protector.
Recommended by: system
P9 family before institutions
Accepted
2026-05-03
Maintain Dan as policyholder of Trust 1500 (Pramerica Fosun) — do not transfer to 五矿信托.
Recommended by: system · principal overrode for surrender optionality
P1 full inventory: preserve liquidity option
Overridden
2026-05-09
Scenario 3 embryo disposition decision — amend CFP consent to named family chain.
Recommended by: principal · CFP visit not yet scheduled
P4 plan maintenance · trigger event pending
Deferred
The software's only loyalty is to the principal.
No commission relationship with any professional. No retainer dependency. The shortlist process is criteria-driven (citizenship fit, fee, jurisdiction, conflict check) — the principal picks. If a professional is replaced, the next one inherits the same scoped briefing packet plus a delta of what changed since the last engagement. The plan is portable; the relationships are not load-bearing.