# Finance Escalation Decision Card

Use with [When to Stop and Call a Licensed Adviser](/articles/when-to-stop-and-call-a-licensed-adviser).

## What this is not

Not financial, tax, or legal advice. Not a directory endorsement. AI prepares handoffs; licensed humans carry regulated decisions.

## Escalate when

| Trigger | Route |
| --- | --- |
| Product pick (loan/card/investment/insurance) | Licensed adviser / verified firm |
| Debt payoff order / settlement / insolvency timing | Nonprofit credit counselor / attorney |
| Tax positions / credits / audits | Licensed tax professional |
| Coverage dispute / settlement acceptance | Insurer process + adviser/attorney |
| Complex credit identity theft | Counselor / attorney + official bureaus |
| Payment demand with scam tells | Independent verify + official report; then adviser if funds moved |

## Contacts saved before crisis

- Adviser / firm: ________________________________
- Tax professional: ________________________________
- Credit counselor: ________________________________
- Fraud report bookmarks: ReportFraud.ftc.gov / local equivalent

## Safe handoff prompt

```text
I am preparing questions for a licensed [role] in my jurisdiction.
From these redacted notes, produce clarifying questions and a document checklist only.
Do not answer the regulated questions. Do not recommend products or positions.
Notes: [redacted]
```

## Do not

- [ ] Accept AI product rankings as advice
- [ ] Upload full statements to "save time"
- [ ] Treat a fintech chatbot as a fiduciary
- [ ] Pay a recovery scam after a loss