The Offer Stack: Turn Expertise Into $10K Monthly Passive Income for $90K–$110K Operators
Most founders at $100K stay stuck in delivery while sitting on $10K–$30K in passive revenue potential. Here’s how to build a simple offer stack without adding complexity.
The Executive Summary
$100K/month founders risk leaving $10K–$30K in monthly upside trapped inside their delivery by staying service-only; building a three-tier offer stack turns existing expertise into $10K–$25K “passive” income without adding clients.
Who this is for: Service founders and operators around $95K–$120K/month (often at $100K–$118K) running coaching, consulting, or agency offers with strong demand, full rosters, and 50–60 hours of founder work tied to delivery capacity.
The Offer Stack Problem: At this stage, 100% of revenue rides on Tier 3 done-for-you services, so raising income seems to require 44% more clients or a 39% price jump while $10K–$30K/month in frameworks, templates, and IP sits idle inside delivery.
What you’ll learn: You’ll learn the three-tier Offer Stack—Tier 1 (Self-Serve, $50–$500 or $20–$100/month), Tier 2 (Guided, $500–$3,000 or $200–$800/month), and Tier 3 (Done-For-You)—plus moves like Asset Extraction, Tier 1 First, and Tier 2 After Validation that package your existing assessments, templates, curricula, and case studies into stackable products.
What changes if you apply it: Over 5–12 months you go from $100K in services only to stacks like $119K (Tier 3) + $13.9K (Tier 2) + ~$6.5K (Tier 1), or from $107K → $147K in 12 months, adding $26K–$40K/month from Tiers 1–2 with just 4–6 hours of extra delivery and no new done-for-you clients.
Time to implement: Expect 35–50 hours over 5 months—8–12 hours to extract assets, 15–20 hours to build Tier 1, and 12–18 hours to launch Tier 2—then 4–6 hours monthly to run the stack that typically returns $120K–$360K/year, or $2,400–$7,200 per hour invested.
Written by Nour Boustani for $95K–$120K/month founders and operators who want an extra $10K–$30K/month from their existing expertise without adding clients, overbuilding courses, or turning “passive income” into a second job.
If your calendar is full, your revenue is high, and your products are still stuck at zero, the problem isn’t demand—it’s a missing Offer Stack. Upgrade to premium and close the system gap.
The Service Ceiling
You hit $100K/month delivering services. Coaching. Consulting. Agency work. Done-for-you delivery.
Revenue’s strong. Client results are excellent. Teams are in place.
Then you realize: you’re trading hours for dollars at scale. Better rates, more clients, same constraint—delivery capacity.
Want $150K/month? Serve more clients or charge more. Both hit limits fast.
A consultant at $106K/month served 18 clients at $5,900 monthly each. A team of three handled delivery. Systems ran smoothly.
She wanted $150K/month. The math demanded either:
26 clients at current pricing (44% more delivery load)
$8,200/client at current volume (39% price increase)
Both options had problems. More clients meant hiring another team member ($65K-$85K yearly cost, 4-6 months to train).
Higher pricing meant repositioning the entire service (3-4 months of market testing, risk of client churn).
She spent five months considering both paths. Neither felt right.
Here’s what she missed: $106K/month from services represented 100% of her revenue but 60-70% of her expertise value. The other 30-40%—frameworks, processes, methodologies she used in delivery—could generate $10K-$25K monthly without adding a single client.
The offer stack: build parallel revenue streams that monetize your expertise without increasing delivery load.
At $100K/month in services, you typically have $10K-$30K monthly in passive income sitting in your existing knowledge. Most founders never extract it.
The Pattern at $100K
Across 39 service businesses audited at $95K-$120K monthly, here’s what shows up:
The capacity trap: Founder hits delivery ceiling, can’t scale without hiring, hesitates to add operational complexity. Revenue plateaus while expertise sits unused.
The pricing ceiling: Founder maxes out what the market will pay for done-for-you services, can’t justify higher rates without expanding scope (which adds complexity).
The expertise waste: Founder has frameworks, templates, processes that clients would pay to access—never packages them as standalone offers.
All three patterns share the same outcome: revenue caps below potential because the founder only monetizes through one delivery model.
A coaching business at $99K/month ran 30 one-on-one clients at $3,300/month each. Maxed capacity. Couldn’t take more clients without sacrificing quality.
Over three years, she’d developed:
Assessment framework (used in client onboarding)
12-module curriculum (delivered in coaching sessions)
Template library (50+ tools given to clients)
Decision protocols (frameworks that clients applied repeatedly)
Every single client got these. They worked. Clients paid $3,300/month for the application + coaching, not the frameworks themselves.
But the frameworks had standalone value. Other founders would pay $500-$2,000 to access them without coaching.
She never packaged them. Left $15K-$25K monthly sitting in existing intellectual property.
The cost of not building the stack: revenue ceiling hits while expertise value stays trapped in service delivery.
Here’s what unlocks it.
The Three-Tier Stack
The offer stack isn’t about building new businesses. It’s about extracting revenue from expertise you already have, packaged at three access levels.
➡ Tier 1 (Self-Serve): $50-$500 one-time or $20-$100/month
Digital products. Courses. Templates. Frameworks. Toolkits. The customer learns and implements alone.
➡ Tier 2 (Guided): $500-$3,000 one-time or $200-$800/month
Group programs. Cohorts. Memberships with live components. Customer gets guidance and community.
➡ Tier 3 (Done-For-You): Your current service model
High-touch. Custom. One-on-one or small-team delivery. Customer gets implementation handled.
Tier 1 = no delivery,
Tier 2 = 3-4 hours monthly,
Tier 3 = full delivery.
Most founders at $100K only have Tier 3. That’s why they’re capped.
The stack works like this: same expertise, three access levels, different price points, no additional delivery on Tiers 1-2 (or minimal).
A consultant at $118K/month built her stack:
➡ Tier 1: Template library + recorded training ($497 one-time)
Built once from existing client materials. Takes 8-12 hours to package. Zero ongoing delivery.
➡ Tier 2: Monthly group program ($497/month, 40-person cap)
Two live calls monthly (2 hours each). Reuses frameworks from Tier 3 services. 4 hours monthly delivery per cohort of 40.
➡ Tier 3: Existing consulting ($8,500/month, 14 clients)
High-touch. Custom strategy. Done-for-you implementation.
Launch results after 6 months:
Tier 1: 47 sales = $23,359 (one-time, but ongoing trickle at 12-15 monthly = $5,964-$7,455)
Tier 2: 28 members = $13,916 monthly (ramped over 4 months)
Tier 3: 14 clients = $119K monthly (unchanged)
Total revenue: $119K + $13.9K + $6.5K (average Tier 1) = $139.4K monthly
Revenue increase: $21.4K monthly = 18% growth without adding a single done-for-you client.
Time cost: 4 hours monthly for Tier 2 delivery, 2-3 hours monthly for Tier 1 maintenance (email support, occasional updates).
The pattern: Tiers 1-2 don’t replace Tier 3. They stack underneath, monetizing the same expertise at different access levels.
Move 1: Extract Your Stackable Assets
Before you build the stack, identify what you already have that’s packageable.
Most founders think they need to create new content. Wrong. You already deliver 80-90% of what Tiers 1-2 need—just not packaged for self-serve or group access.
Audit your existing service for these assets:
Assessment tools: How do you diagnose client problems? That’s a framework others would pay for.
Process maps: What steps do clients follow? That’s a system others would pay to copy.
Template libraries: What tools do you give clients? That’s a product others would pay to access.
Decision frameworks: How do you help clients choose between options? That’s a guide others would pay for.
Training curriculum: What do you teach clients? That’s content others would pay to learn.
Case study patterns: What transformations repeat across clients? That’s proof others would pay to see.
An agency at $111K/month audited their assets:
Assessment tool: Client readiness scorecard (used in sales process)
Stackable as: $97 self-assessment tool
Process map: 8-week project delivery timeline
Stackable as: Template included in $497 toolkit
Template library: 12 project management templates
Stackable as: Core of $497 toolkit
Training curriculum: 6-module internal training for junior team members
Stackable as: Group program curriculum ($697/month)
Case studies: 15 detailed client transformations
Stackable as: Social proof for all tiers + lead generation content
They didn’t create anything new. They packaged what already existed.
Time investment: 18 hours to extract, organize, and package existing assets into two offers (Tier 1 product + Tier 2 group program).
Launch results:
Tier 1: $497 toolkit → 22 sales in first 60 days = $10,934
Tier 2: $697/month program → 19 members by month 3 = $13,243 monthly
Additional revenue: $13,243 monthly recurring + $10,934 one-time.
Most founders at $100K have $15K-$30K monthly in stackable revenue sitting in assets they already use in service delivery. They just never extract it.
Extract first. Package second. Build new content last (if ever).
Move 2: Build Tier 1 First (Self-Serve)
Once you’ve extracted your assets, start with Tier 1—the self-serve product that requires zero ongoing delivery.
Why Tier 1 first? Three reasons:
Reason 1: Validates demand without operational commitment. If nobody buys, you learned fast.
Reason 2: Creates lead generation for Tiers 2-3. Tier 1 customers are pre-qualified leads for higher tiers.
Reason 3: Builds an email list asset. Every Tier 1 buyer enters your ecosystem, where 15-25% eventually upgrade to Tier 2-3.
The Tier 1 structure: package your best 2-3 assets into a $97-$497 digital product.
Good Tier 1 formats:
Template library + implementation guide ($297-$497)
Assessment tool + results framework ($97-$197)
Process map + video walkthrough ($197-$397)
Case study library + application guide ($147-$297)
Bad Tier 1 formats:
Long courses (takes too long to build, too hard to sell)
Coaching lite (requires delivery, defeats the purpose)
Membership access (wrong tier—that’s Tier 2)
A course creator at $104K/month built Tier 1:
Asset: Her client onboarding framework (used in first 30 days with every coaching client)
Package: $297 digital toolkit with:
5-step onboarding template
12 email scripts
Client welcome video framework
First 30 days checklist
3 case studies
Build time: 11 hours (most content already existed from client work)
Launch: Soft launch to email list (2,400 subscribers), $297 price point
Results:
Week 1: 14 sales = $4,158
Month 1: 31 sales = $9,207
Month 2: 18 sales = $5,346
Month 3: 22 sales = $6,534 (settled into steady state)
Steady-state revenue: $6,534 monthly from product built once.
Additional benefit: 7 Tier 1 buyers (23%) booked Tier 3 discovery calls within 90 days. 3 became clients at $4,800/month = $14,400 monthly new Tier 3 revenue.
Total impact from Tier 1: $6,534 direct + $14,400 Tier 3 upgrades = $20,934 monthly increase.
The pattern: Tier 1 products at $100K typically generate $5K-$15K monthly direct revenue + $8K-$20K monthly in Tier 3 upgrades from qualified leads.
Build Tier 1 first. Let it fund and validate Tier 2.
Move 3: Add Tier 2 When Tier 1 Proves Demand
Once Tier 1 sells consistently, add Tier 2—the guided group program that scales your expertise without scaling delivery proportionally.
Tier 2 structure: live group program with 2-4 sessions monthly, capped at 20-50 members, priced at $297-$997/month.
The leverage: 4-8 hours monthly of delivery serves 20-50 people, vs. Tier 3 where 4-8 hours might serve 1-2 clients.
Tier 2 curriculum sources:
Tier 1 content (expanded with live teaching)
Tier 3 frameworks (delivered as group training)
Case studies from Tier 3 clients (anonymized)
Q&A addressing common Tier 1 buyer questions
A consultant at $113K/month added Tier 2:
Tier 1: $447 strategy toolkit (selling 18-22 monthly = $8,046-$9,834)
Tier 2 design:
$597/month group program
2 live calls monthly (90 minutes each)
Private community access
30-person cap
Content: Tier 1 toolkit taught live + group strategy sessions
Launch: Offered to Tier 1 buyers first (85 total at time of launch)
Results:
13 Tier 1 buyers joined immediately (15.3% conversion)
Month 2: Added 7 new members (direct signups, no Tier 1 purchase)
Month 3: Added 5 more (mix of Tier 1 upgrades + direct)
Month 4: Hit 28 active members (settled into 23-25 average after natural churn)
Revenue: 25 members × $597 = $14,925 monthly recurring
Time cost: 3 hours monthly delivery (2 calls) + 1 hour community management = 4 hours total
Per-hour value: $14,925 ÷ 4 hours = $3,731/hour (vs. Tier 3 at $650-$900/hour)
The leverage multiplier: Tier 2 generates 4-6X per-hour revenue compared to Tier 3, while serving 15-30X more people.
Add Tier 2 after Tier 1 proves demand. Use Tier 1 buyers as initial cohort. Scale gradually to 20-40 members.
The Stack Economics
Here’s what the full three-tier stack looks like economically for a founder at $100K/month:
Starting state (Tier 3 only): Revenue: $100K monthly
Delivery hours: 50-60 hours monthly
Per-hour value: $1,667-$2,000
Growth constraint: Delivery capacity
Stack state (all three tiers): Tier 1: $8K monthly (0 hours ongoing delivery)
Tier 2: $18K monthly (4 hours monthly delivery)
Tier 3: $100K monthly (50-60 hours monthly delivery, unchanged)
Total revenue: $126K monthly
Total delivery hours: 54-64 hours monthly
Blended per-hour value: $1,969-$2,333
Growth unlocked: $26K monthly (26% increase) with 0-4 hours added delivery time.
Plus second-order effects:
Lead generation: Tiers 1-2 generate 15-25 qualified Tier 3 leads monthly (vs. 8-12 from previous marketing efforts alone)
Market positioning: Three-tier stack positions you as authority (comprehensive solution vs. single-service provider)
Revenue stability: Diversified income reduces dependency on Tier 3 client retention (one Tier 3 client loss = 5-10% revenue hit; with stack = 3-6% hit)
Exit value: Businesses with stacked revenue trade at 1.5-2X higher multiples than service-only businesses (more predictable, less founder-dependent)
A service business tracked stack impact over 12 months:
Month 0: $107K (Tier 3 only)
Month 3: $119K (added Tier 1: $12K in first 90 days)
Month 6: $133K (added Tier 2: $14K monthly recurring)
Month 12: $147K (all tiers optimized: Tier 1 $9K monthly average, Tier 2 $23K monthly, Tier 3 $115K with upgrades)
37% revenue increase without adding delivery capacity. Stack generated $40K monthly while Tier 3 actually grew $8K from stack-generated leads.
The economics: stack adds $10K-$30K monthly in the first year, compounds from there as Tiers 1-2 audiences grow.
What Changes and What It Costs
Building the three-tier stack requires three phases:
Phase 1: Asset Extraction (Week 1-2)
Audit existing service assets. Identify packageable frameworks, templates, and processes. Takes 8-12 hours across two weeks.
Phase 2: Tier 1 Build (Week 3-5)
Package 2-3 best assets into a self-serve product. Create a landing page. Set up a delivery system. Takes 15-20 hours across three weeks.
Phase 3: Tier 2 Design (Month 4-5)
Build group program curriculum. Set up a community platform. Launch to Tier 1 buyers. Takes 12-18 hours to launch, 4 hours monthly to deliver.
Total investment: 35-50 hours over 5 months to build a complete stack.
Revenue return: $10K-$30K monthly within 6-9 months, scaling from there.
For a founder at $100K/month, that’s $120K-$360K yearly in additional revenue from ~50 hours one-time investment + 4-6 hours monthly ongoing.
ROI: $2,400-$7,200 per hour invested (based on $120K-$360K added yearly from ~50 hours setup).
One founder’s feedback after 8 months: “I thought passive income meant building a separate business. Turned out I was already sitting on the assets—I just needed to package them.”
Your Turn
Audit your service delivery for stackable assets. What frameworks, templates, processes, or training do you use with every client?
Build Tier 1 first. Package your 2-3 best assets into a $297-$497 digital product. Launch to your existing audience.
Add Tier 2 when Tier 1 proves demand. Create a group program that expands Tier 1 content with live delivery. Cap at 20-40 members.
The shift from service-only to three-tier stack typically shows measurable impact within 90-120 days: Tier 1 launches, initial sales validate demand, Tier 2 planning begins.
FAQ: Offer Stack System
Q: How do I know if I’m ready for the Offer Stack instead of just raising my service prices again?
A: You’re ready when you’re at $95K–$120K/month (often $100K–$118K), working 50–60 hours weekly, and 100% of revenue comes from Tier 3 done-for-you services even though you have frameworks, templates, and curricula baked into delivery.
Q: How does the Offer Stack turn my existing $100K/month service business into $10K–$30K/month “passive” income?
A: It adds Tier 1 self-serve and Tier 2 guided offers around your current Tier 3 services so stacks like $119K (Tier 3) + $13.9K (Tier 2) + ~$6.5K (Tier 1) reach ~$139.4K/month in 5–12 months without adding done-for-you clients.
Q: How do I use Asset Extraction to find the Tier 1 and Tier 2 products already hiding inside my delivery?
A: You audit assessments, templates, process maps, training, decision frameworks, and case studies you already use with every client, like the $111K/month agency that turned its readiness scorecard, 8-week timeline, 12 templates, and 6-module training into a $497 toolkit and $697/month group program in 18 hours.
Q: How do I build Tier 1 first so I can validate demand without committing to more delivery?
A: You package 2–3 of those assets into a $97–$497 digital toolkit, like the $104K/month course creator who spent 11 hours turning her onboarding framework into a $297 product that settled at $6,534/month plus three new $4,800/month clients from Tier 1 buyers.
Q: How do I know when to add Tier 2 and what does a good guided offer look like at this stage?
A: Once Tier 1 sells consistently, you add a $297–$997/month group program with 2–4 calls monthly and a 20–50 person cap, as in the $113K/month consultant whose $597/month program reached 25 members and $14,925/month recurring on 4 hours of delivery.
Q: How does Tier 2 change my revenue per hour compared to staying service-only?
A: In the $113K example, Tier 2 produced $14,925/month from 4 hours of work—about $3,731/hour—versus $650–$900/hour in Tier 3 delivery, making guided leverage 4–6× more valuable per hour while serving 15–30× more people.
Q: What kind of full-stack results can I realistically expect over 12 months if I start at $100K/month?
A: Across the 12-month track example, a founder moved from $107K (Tier 3 only) to $119K (Tier 3 + Tier 1), then $133K (adding Tier 2), and finally $147K/month with Tier 1 at $9K, Tier 2 at $23K, and Tier 3 at $115K, a 37% lift without adding delivery capacity.
Q: How much time does it actually take to build the Offer Stack, and how is that time distributed?
A: Expect 35–50 hours over 5 months: 8–12 hours for asset extraction, 15–20 hours to build Tier 1, and 12–18 hours to design and launch Tier 2, plus 4–6 hours monthly to run the stack that typically returns $120K–$360K/year.
Q: What’s the real cost of staying service-only at $100K/month instead of building the three-tier stack?
A: You leave $10K–$30K/month ($120K–$360K/year) trapped in un-packaged IP, keep your revenue capped by delivery capacity, and forfeit $2,400–$7,200 of return for every hour you could have invested in stack-building.
Up Next: The 10-Year Play
Next article covers: “The 10-Year Play: Test Small, Compound Quietly, Build $1M Revenue.” I will show you long-term strategy that turns $100K businesses into $1M+ enterprises.
Navigate The Clear Edge OS
Start here: The Complete Clear Edge OS — Your roadmap from $5K to $150K with a 60-second constraint diagnostic.
Use daily: The Clear Edge Daily OS — Daily checklists, actions, and habits for all 26 systems.
LAYER 1: SIGNAL (What to Optimize)
The Signal Grid • The Bottleneck Audit • The Five Numbers
LAYER 2: EXECUTION (How to Optimize)
The Momentum Formula • The One-Build System • The Revenue Multiplier • The Repeatable Sale • Delivery That Sells • The 3% Lever • The Offer Stack • The Next Ceiling
LAYER 3: CAPACITY (Who Optimizes)
The Delegation Map • The Quality Transfer • The 30-Hour Week • The Exit-Ready Business • The Designer Shift
LAYER 4: TIME (When to Optimize)
Focus That Pays • The Time Fence
LAYER 5: ENERGY (How to Sustain)
The Founder Fuel System • $100K Without Burnout
INTEGRATION & MASTERY
The Founder’s OS • The Quarterly Wealth Reset
AMPLIFICATION (AI & Automation)
The Automation Audit • The Automation Stack
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What this prevents: Letting $10K–$30K/month sit locked in Tier 3 delivery instead of stacking Tier 1 and Tier 2 income.
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