Your client asks about funding the buy-sell, and the honest answer is that nobody in your office has the hours to learn it properly. The capacity ceiling is arithmetic, not a shortfall in ambition. Here is where it sits in a small firm and the three ways firms respond.

Software is absorbing more of the return every year. What it cannot absorb is the eleven-year relationship, the annual permission to talk about money, and the first call when something changes. That relationship only holds if it shows up where your client's decisions are made.