⚖️ Legal Review — Verdict
3 draft Latinos-con-Negocios lessons · two independent AI reviews (Codex + Gemini), each fact-checked against IRS / WA statutes · consolidated 2026-06-01.
Verdict: all 3 lessons = SHIP-WITH-EDITS. Both reviewers independently reached the same call, agreed on the key edits, and verified the facts firsthand. The content is solid, accurate, and dignified — it needs a short edit pass, not a rewrite.
🚧 HARD GATE before publishing: a licensed Washington attorney (plus a CPA / enrolled agent for the ITIN lesson) must review and consent to a byline. This is YMYL immigration/tax/asset content — your brand's on it, and there's unauthorized-practice-of-law risk. Treat this as required, not optional.
1. construir-negocio-sin-ssn SHIP-WITH-EDITS
Verified: SS-4 line 7b allows "Foreign"/"N/A" (fax ~4 business days); WA issues a standard ID without proof of legal presence (consular IDs + foreign passport accepted); ITIN is tax-only and grants no work authorization/status.
Edits to make:
- Soften "el camino legal" → "una ruta común de cumplimiento" (avoid prescribing one legal path = UPL).
- State plainly the online EIN tool is unavailable without an SSN/ITIN (must fax/mail SS-4).
- Add the REAL ID note: a standard WA ID isn't valid for domestic flights after May 2025.
- Revise the "Rosa sells food" example to add a permits + work-authorization caveat.
- Add: an ITIN requires a federal-tax purpose (not issued just to open a bank account / start a business); mention WA business license/UBI + local permits as next steps. Fix "un LLC" → "una LLC".
Needs: immigration attorney + CPA.
2. proteger-tu-patrimonio SHIP-WITH-EDITS
Verified: homestead RCW 6.13.030 (greater of $125k or prior-year county median); UVTA RCW 19.40.041 (transfers to hinder/delay/defraud are voidable, present & future creditors); revocable trusts give no creditor protection in WA.
Edits to make:
- Soften "puede ser delito" → civil fraud / a judge can unwind it (criminal depends on facts not cited).
- Clarify homestead is "automatic" only for an occupied primary residence (declaration needed for unimproved land / before moving in); note exceptions (mortgage, taxes, child support, construction liens).
- Soften the vehicle-titling instruction → "ask your attorney/CPA/insurer."
- Add the Community Property Agreement (RCW 26.16.120) risk note; put the disclaimer visibly right after the answer.
Needs: WA asset-protection/estate attorney.
3. plan-de-preparacion-familiar SHIP-WITH-EDITS
Verified: durable POA RCW 11.125 (needs durability language; notary or 2 qualified, non-relative witnesses); guardian nomination RCW 11.130.215 (will or sworn record); WA estate tax 2026 = $3,076,000 (Jan–Jun) / $3,000,000 (Jul+).
Edits to make:
- Add witness rules: notary or two qualified witnesses who aren't relatives of principal/agent.
- "documento firmado" → "declaración u otro documento jurado" (match the statute).
- Soften the "add an authorized signer" instruction; add that banks may require their own POA forms.
- Add a note on a separate health-care directive / medical POA; handle digital passwords securely (password manager, not plaintext).
Needs: WA family/estate attorney.
Build changes to ship these (8 → 10 lessons)
Both reviewers flagged the same: bump the hard-coded "8 lecciones" count + add the 3 slugs in — build_course.py (DE 8 → total), functions/api/admin.js (COURSE_TOTAL), site/admin.html (LESSONS array), functions/api/progress.js (LESSONS — else progress POSTs reject the new slugs), site/course.html (MODS + copy), site/training.html (COURSE_SLUGS + copy). I'll handle all of it on your go.
Bottom line: the content is accurate and ready for an edit pass. Sequence: (1) I apply the agreed edits → (2) you get a WA attorney + CPA to review/byline → (3) I wire them in (8→10) + deploy into the AEO pipeline. Nothing publishes until step 2 clears.