Open the operating deckbrief_v2.md
# FNC US Client Strategy Master Brief v2
Transcribed from Kevin's PDF (`_source/FNC_US_Strategy_Brief_v2.pdf`, 7 pages, received 2026-09-22).
Kevin's own note on page 7: "This brief is the source document for: website copy, sales funnel
messaging, ad scripts per audience segment, AI advisory board principles, outreach sequences, and
the screening call AI framework. All client-facing materials derive from this document. Update this
brief first, everything else follows."
Footer on every page: internal use only, all pricing in USD, annual running costs separate from
setup fees, Swiss banking / Cook Islands / Singapore / Cyprus / Portugal / Andorra / Greece are
delivered through the FNC partner network, not legal or tax advice.
## Who we serve: two client profiles, one framework
**Profile A, US citizen living inside the US.** Business owner, investor or high earner. Everything
they own is in their personal name, in one country, under one legal system. They are not planning to
leave, but they have international income, international clients, or assets they want to protect.
**Profile B, US citizen living or moving abroad.** Living abroad or planning to leave. Their US bank
is closing. Their FEIE claim is unstructured. They have no documented legal home abroad, no
international banking rail, and no backup identity. They want a proper foundation before the next
move.
## The core pitch (verbatim, Kevin's words)
"We cannot make you tax-free overnight. But we can give you banking that works, assets that are
protected, and a life that does not depend on a single jurisdiction."
## What we help them with
- Banking that receives large transfers without freezing
- Payment platforms that accept international business
- Crypto that converts to fiat without restriction
- US bank independence, a rail that stays open abroad
- Assets protected from US litigation and personal claims
- A second legal identity and documented home abroad
- Optionality, every structure opens the next one
- Compliance maintained so nothing falls through
## Main benefits by profile
Profile A, staying in the US: Georgia banking rail that moves crypto and large payments without
flags. Panama SA for legal separation between personal estate and assets. Cook Islands Trust for
gold-standard protection against US litigation. UAE FZCO plus Golden Visa plus ADGM for an
operational company, 10 year residency and wealth structure. Swiss banking for institutional wealth
preservation outside the US system. Second passport (Vanuatu, Antigua or St Kitts) for optionality
and backup identity.
Profile B, living or moving abroad: Georgia as the primary international banking rail that stays
open regardless of location. Panama SA plus residency as a documented legal home abroad supporting
the FEIE claim. E-Cedula and residency card as a second legal identity for banking and CRS. UAE FZCO
for regional credibility and an institutional banking base. CBI passport (Vanuatu, Antigua, St
Kitts) for travel freedom and banking access without US passport friction. Paraguay as the fastest
and cheapest legal foreign base, Cedula in weeks, 0% foreign income. Cyprus or Portugal for EU
residency through the partner network. Singapore as the premier hub for Asia-based clients and
investment structures.
## Pain to solution map (Kevin's table, verbatim pairs)
| The pain | What we solve |
|---|---|
| Bank account closed when they learned I live abroad | Georgia private bank, accepts US persons with FATCA W-9, stays open regardless of location, operational in 10 days |
| Crypto-to-fiat conversion freezes accounts or triggers flags | Georgia institutional account, private banker handles large crypto settlements, no algorithmic triggers |
| Everything I own is in my personal name, one lawsuit reaches all of it | Panama SA for asset separation, Cook Islands Trust for maximum creditor protection, US court judgments cannot reach it |
| No international banking, receiving wires from abroad is painful | Georgia IBAN and SWIFT plus UAE WIO corporate account, clean international wires, same day, no interrogation |
| International clients do not trust a US LLC on the invoice | UAE FZCO, a Dubai entity on the invoice signals global presence and institutional credibility in the Middle East and Asia |
| No documented foreign residence, FEIE claim is weak | Panama residency card (E-Cedula) is documented proof of foreign residence supporting bona fide FEIE status |
| One passport, single point of failure, banking friction abroad | Vanuatu (30 to 60 days), Antigua or St Kitts citizenship by investment, second passport retained alongside US passport |
| Large wealth sitting exposed with no privacy and no protection | Swiss private banking through FNC's partner network, institutional wealth management outside the US system |
| Concerned about US litigation reaching offshore structure | Cook Islands Trust, the only structure where US courts have consistently failed to compel asset repatriation |
| Want to invest in Asia, no regional structure or banking base | Singapore setup through FNC's partner network, 0% capital gains, premier investor infrastructure, global recognition |
| Need long-term UAE residency not tied to a job or employer | UAE Golden Visa, 10 year renewable residency tied to the individual not a company or sponsor, from $545,000 property investment or a professional route |
| UHNW client, serious wealth, needs institutional structure not just a company | ADGM Foundation or SPC, Abu Dhabi regulated, FSRA oversight, no tax at foundation level, the right product for clients with $1M+ who want a proper institutional structure |
| Want EU residency but cannot or will not move full-time to Europe | Cyprus non-dom (60 days per year) or Portugal Golden Visa (7 days per year, year 1) through the FNC partner network, EU residency on minimal presence |
| Need a fast, cheap foreign legal base, no budget for Panama | Paraguay, Cedula in weeks, $5,000 deposit, 0% on foreign income, the most accessible residency in the portfolio |
## Services menu: nineteen solutions, fully combinable
"Each stands alone. The most powerful clients stack multiple layers."
| Solution | Tag line | Role | Price |
|---|---|---|---|
| Georgia Private Bank | Immediate, crypto, private banker, no freeze | Start here | $2,500 |
| Panama SA + residency + banking | Asset protection, legal home, second identity | Core structure | $12,000 |
| UAE FZCO, IFZA Dubai | Credibility, Emirates ID, institutional banking | Global presence | $9,000 |
| Swiss private banking | Wealth preservation, privacy, institutional | Through partner | Quoted individually |
| Cook Islands Trust | Gold-standard asset protection, litigation-proof | Maximum shield | Through partner |
| Vanuatu citizenship | Fastest CBI, 30 to 60 days, 130+ countries visa-free | Second passport | $130,000+ |
| Antigua and Barbuda citizenship | Full family, strong passport, 150+ countries | Second passport | $130,000+ |
| St Kitts and Nevis citizenship | Oldest CBI programme, most recognised, reliable | Second passport | $150,000+ |
| Singapore setup | 0% capital gains, Asia hub, investor infrastructure | Through partner | Quoted individually |
| UAE Golden Visa | 10 year renewable residency, no sponsor, premium identity | UAE residency | Quoted individually |
| UAE ADGM Foundation | UHNW wealth structuring, Abu Dhabi regulated, FSRA | Asset structure | Quoted individually |
| ADGM structures, SPC and family office | SPCs, regulated funds, family office, institutional | ADGM premium | Quoted individually |
| Paraguay residency | Fast, low cost, 0% foreign income, ID in weeks | Entry level | From $3,500 |
| Cyprus non-dom status | 0% dividends and interest, EU member, 17 years | European play | Through partner |
| Portugal, D7 and Golden Visa | EU residency, name recognition, minimal presence | Through partner | Through partner |
| Andorra residency | 0 to 10% flat tax, no wealth tax, no inheritance tax | Boutique European | Through partner |
| Greece Golden Visa + non-dom | EU Golden Visa from EUR 250k, EUR 100k flat tax option | Through partner | Through partner |
| Bespoke premium structures | Foundation, trust, multi-jurisdiction, family wealth | Individual design | Quoted individually |
Detail rows worth keeping verbatim on the site:
- Georgia Private Bank: US persons accepted, FATCA W-9 compliant. Private banker, large transfers reviewed by a human. Crypto-to-fiat off-ramp, no platform restrictions. Operational in 7 to 10 days, no travel required.
- Panama SA: 0% Panama tax on foreign-source income. Friendly Nations or bilateral treaty residency. E-Cedula, second legal identity alongside the US passport. Path to Panamanian citizenship after 5 years.
- UAE FZCO: 0% UAE corporate tax, 100% foreign owned. Emirates ID and UAE residency, globally recognised. WIO and NBD institutional banking. Direct IFZA partnership, no intermediaries.
- Swiss private banking: two Swiss banking relationships through FNC's partner. Institutional wealth management outside the US system. EUR, USD, CHF and multi-currency accounts. Strict Swiss banking confidentiality standards.
- Cook Islands Trust: US court judgments cannot compel repatriation of assets. Strongest creditor protection structure available globally. Specifically designed to withstand US legal challenges. Ideal for high-net-worth clients with litigation exposure.
- Vanuatu: fastest citizenship by investment programme globally. No renunciation of US citizenship required. Visa-free access to 130+ countries. No residency requirement, fully remote process.
- Antigua: full family inclusion in a single application. Visa-free access to 150+ countries including UK and Schengen. No renunciation of US citizenship required. Established programme, strong global recognition.
- St Kitts: the oldest and most recognised CBI programme globally. Visa-free or on-arrival access to 150+ countries. No renunciation of US citizenship required. Strong due diligence reputation, high institutional trust.
- Singapore: 0% capital gains tax, premier investor jurisdiction. Strong global treaty network for tax planning. Ideal for US clients with Asia-Pacific business. Through FNC's specialist Singapore partner.
- UAE Golden Visa: 10 year renewable residency, no employer sponsor required. Property investment from $545,000 or business/professional route. Tied to you personally, survives company dissolution or job change. The strongest UAE residency product for long-term establishment.
- ADGM Foundation: Abu Dhabi Global Market Private Client Foundation. The foundation owns assets, you are founder and beneficiary, not legal owner. No income tax, no capital gains, no inheritance tax at foundation level. Internationally recognised, FSRA regulated, AAA-rated environment.
- ADGM structures: Special Purpose Companies for investment and IP holding. Family office structures for multi-generational wealth. Regulated fund vehicles for investor aggregation. The right conversation for $1M+ net worth clients wanting institutional structure.
- Paraguay: 0% tax on all foreign-source income, territorial system. Cedula (national ID) issued within weeks of arrival. $5,000 bank deposit requirement, the most accessible residency globally. Strong option for budget-conscious clients needing a legal foreign base.
- Cyprus non-dom: 0% tax on dividends and interest income for 17 years. Only 60 days physical presence per year required. EU member, Schengen access, EU banking, full mobility. The most accessible and cost-effective EU residency in the portfolio.
- Portugal: D7 passive income visa, EUR 760 per month income requirement. Golden Visa, EUR 500,000 qualifying fund investment, 7 days presence in year 1. The most recognised European residency programme globally. Path to Portuguese citizenship and an EU passport after 5 years.
- Andorra: maximum 10% flat income tax, the lowest rate in Europe. No wealth tax, no inheritance tax, no capital gains tax. 90 days minimum presence per year. For clients who genuinely want to live in Europe on the lowest possible tax.
- Greece: Golden Visa from EUR 250,000 real estate (outside prime zones). Minimal presence, one of the most flexible EU golden visa programmes. EUR 100,000 flat tax non-dom option for UHNW lifestyle clients. Path to Greek (EU) citizenship after 7 years.
- Bespoke: foundation and trust structures across multiple jurisdictions. Business exit structuring before the liquidity event. Family wealth protection and succession planning. International legal coordination, FNC aligns all parties.
## Consulting approach: consult first, build second
"FNC is not a product shop. We are a consulting firm that happens to deliver services. Every client
engagement starts with a paid consultation that produces a written deliverable. The client owns the
strategy document permanently, whether or not they proceed with us. This is the trust mechanism and
the revenue driver simultaneously."
Baseline consulting, US citizen inside the US. Focus: asset protection, banking independence,
international credibility. Assess what is in their personal name and what is exposed. Identify the
most urgent banking problem. Design the asset protection layer, Panama SA, Cook Islands Trust or
ADGM, based on risk. Recommend UAE FZCO plus Golden Visa for 10 year UAE residency and credibility.
Swiss or Georgian banking for international income and wealth preservation. Second passport as the
optionality layer, timeline and programme match.
Baseline consulting, US citizen living or moving abroad. Focus: banking rail, legal foreign
residence, FEIE support, second identity. Identify the banking gap, US bank closure risk or existing
freeze. Assess FEIE eligibility and what documentation is missing. Design the Panama structure,
residency, banking and company. Recommend a second passport based on income and asset level.
Singapore or UAE as the professional base if Asia or the Middle East is relevant.
## The conversion funnel (THIS SUPERSEDES THE EARLIER FUNNEL)
| # | Step | Price |
|---|---|---|
| 1 | AI screening call, qualify and route | Free, 12 to 15 min |
| 2 | Situation screening report, gaps, risks and applicable solutions mapped in writing | $500, 48 hour delivery |
| 3 | Sovereign Blueprint, full written strategy, options ranked, yours to keep permanently | $3,500 |
| 4 | Service realisation, chosen solutions built, filed and activated | $2,500 to $150,000+ |
| 5 | Monthly management, filings, renewals, compliance, annual review, priority access | $250 per month |
## Conflicts with what is already built and live (2026-09-22)
1. **Currency.** Every live surface says EUR 3,500. The brief says **USD 3,500**. Affects the site,
all 11 collateral pages, `collateral.json`, both VSL scripts, the SMS and email copy, and the
Brooke and Anna prompts.
2. **The $500 Situation Screening Report did not exist in our funnel.** Our built funnel goes
audit then Blueprint. The brief inserts a paid $500 48-hour report between them. The whole
post-call sequence needs a new stage.
3. **The $250 per month management tier did not exist** in anything we built.
4. **Service realisation is a priced band** ($2,500 to $150,000+), not the vague "quoted separately".
5. **Jurisdictions.** Live site names five (UAE, UK, Panama, Georgia, USA). The brief names sixteen
and drops the UK entirely. Georgia is the start-here product, not a footnote.
6. **Audience.** The brief is US-citizen specific with two named profiles. Our copy addresses a
generic international founder.
7. **The screening call is explicitly an AI screening call** in Kevin's own funnel, which settles the
disclosure question in our favour and makes Anna and Brooke first-class parts of the product.
8. **Kevin's core pitch line is better than ours and is honest.** "We cannot make you tax-free
overnight" directly fixes the overclaiming that both Astra and the design panel flagged in the
current copy ("0% tax", "no freeze risk", "problems eliminated").
## Confirmed identity addendum for VSL production, 2026-09-22
The user confirms the full name and title: Kevin Loeber, managing partner. This supersedes the abbreviated name previously captured from the live site.
Identity facts carried from `brand.json`, the existing live-site capture, as specifically requested for VSL credibility: Fortune Network Capital FZCO (DBA FNC), based at DSO-IFZA, IFZA Properties, Dubai Silicon Oasis, UAE. Named senior advisers: Marc Italia and Mathieu Descat. These establish identity and team composition, not measured client outcomes, licensure or proof of a particular strategy's success. The consulting practice and service scope remain as described above.