> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tilt.now/llms.txt
> Use this file to discover all available pages before exploring further.

# Model a prospect's transition

> Add someone who hasn't joined your firm yet from their positions file, compare what moving them into a model would cost, and make them a client when they join.

A prospect is someone you're modeling before they join your firm. Add them from the positions file they share, and Tilt creates an account for each account in the file. Run a [transition analysis](https://docs.tilt.now/advisor/transition-analysis.md) on each account to show what moving into your model would cost in tax and years.

Nothing monitors or trades a prospect's accounts. Prospects join no household, have no saved model, and stay out of firm and household reports until you make them a client.

## 1. Add the prospect

Open **Clients** and select **Add prospect**.

1. Enter the prospect's **Name**.
2. Under **Positions file**, select **Choose file** and pick their file.
3. Enter or check each account's **Account name** and **Tax account type**. Tilt fills in the type when the account's name states it, such as "Roth IRA" or "Rollover IRA". For a name such as "Individual" or a trust's name, choose the type yourself. The type decides whether moving the account is taxed.
4. Review the summary, then select **Add prospect**.

The prospect's page opens, with a **Prospect** badge beside their name.

![Client page for Jordan Lee with a Prospect badge, showing the Individual ...4421 account card at \$315,365 with Model No model, Account type Taxable, and Transition Compared with Global 80/20, Nov 9, 2026.](https://mintcdn.com/tilt/P8K7GKkuaU2J7YWm/images/advisor/prospect-client-page.jpg?fit=max\&auto=format\&n=P8K7GKkuaU2J7YWm\&q=85\&s=f711328ff35efda9a1acca7c7159230a)

The prospect Jordan Lee after one transition analysis. The account card shows no model and the latest comparison.

### Positions files Add prospect reads

| File | How Tilt reads it |
| - | - |
| Schwab's **Unrealized Gain/Loss** export, as a CSV | One account, with a row for each lot. |
| An Excel workbook of those exports | One account per sheet, named after the sheet. |
| Tilt's holdings template | One account. |

For a statement from another custodian, or a statement PDF, [ask Tilt Agent](#add-a-prospect-in-chat) to add the prospect.

### Check the summary

For each account, the summary shows the positions Tilt will model, cash, positions it keeps as-is, and the total value. Three cases change the transition's figures:

| Case | What Tilt does |
| - | - |
| No cost basis for a position | Shows no gain for it, so the transition's tax figures leave it out. |
| No acquired date for a position | Treats it as held for more than a year, so its gains are taxed at the long-term rate. |
| A ticker Tilt doesn't list, or one listed on several exchanges | Keeps it as-is at its value from the file and leaves it out of the model. |

![Add prospect dialog with Name Jordan Lee, Account name Individual ...4421, Tax account type Taxable, and a summary of 5 modeled positions in 7 lots, \$6,240 cash, 1 position kept as-is at \$25,000, and a \$315,365 total value, followed by notes on missing cost basis and acquired date and a table listing ZZPRV as not listed by Tilt.](https://mintcdn.com/tilt/P8K7GKkuaU2J7YWm/images/advisor/prospect-add-dialog.jpg?fit=max\&auto=format\&n=P8K7GKkuaU2J7YWm\&q=85\&s=d8598ed38789f76b60156cf2deeaadb0)

A Schwab export for one taxable account. One position has no cost basis, one has no acquired date, and a private fund Tilt doesn't list is kept as-is.

If any row needs fixing, the summary lists each one by line, and you correct the file and choose it again. Tilt can't model a short position or a negative cash balance. Remove those rows to model the account without them.

## 2. Compare the move into a model

Open one of the prospect's accounts and select **Transition**. Choose the model under **Compare with model**, set the paces, and select **Run**. [Compare the cost of moving into a model](https://docs.tilt.now/advisor/transition-analysis.md) walks through the inputs and the report.

The client page shows each account's latest analysis in its **Transition** row. A prospect's account has no **Optimization** tab, and its **Setup** doesn't save a model.

## 3. Make them a client

When the prospect joins, open their page and select **Make client…** from the client actions menu. Daily monitoring then checks their accounts, you can propose trades, and you can add them to a household.

Until their accounts are linked to a custodian, monitoring and proposals use the positions from the file, with its costs and dates. Linking any of their accounts to a custodian also makes them a client. You can't make a client a prospect again.

Next, [onboard the client](https://docs.tilt.now/advisor/onboard-client.md): assign their model and check the account is ready.

## Delete a prospect

To remove a prospect who doesn't join, select **Delete prospect** from the client actions menu. The prospect and their accounts leave your client list, and their transition reports leave your **Library**.

## Add a prospect in chat

Attach the prospect's statement PDF, or paste their positions, and ask: **"Add Priya Shah as a prospect from this statement and compare moving each account into Global 80/20."**

Tilt Agent reads the statement and checks your client list for an existing match. Before it adds anything, it shows the name, each account with its tax type, the positions it will model or keep as-is, and the positions with no cost or date. It asks for any tax type the statement doesn't state. After you confirm, it adds the prospect with an account for each account on the statement, then runs a transition analysis on each account you choose.

## Find your prospects

On **Clients**, choose **Prospects** to list only prospects. In the **Clients** view, a prospect's row is marked **Prospect**.


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