Phil discusses what he calls IncomeConductor’s “secret sauce”: the behavioral portfolio plan and handling excess/surplus assets. He explains how advisors can use surplus assets to protect clients from income cuts, back-fill underperforming segments, and create better review conversations. Phil shows how tracking reports, account linking, early-sweep alerts, and required-return updates help advisors act before problems become client-facing. He also shares a client case that used these tools to uncover missed opportunities. Tom then discusses custom alerts, current-year tax work, and practical tracking questions.