FFSS · Fisher Forensic Scoring Suite · FNVI Engine · Active

The VA rated your claim.
FNVI shows what
they missed.

Fisher Nexus Valuation Index (FNVI) — a Bayesian-powered forensic scoring framework applied to your full C-File. Missed conditions. Nexus gaps. Secondary opportunities. Underrated ratings. All quantified before you resubmit or appeal.

Request C-File Analysis → How FNVI works
63%Denials cite no nexus
41%AI-flagged denials erroneous
$1.5K+Monthly value per rating point
fnvi_output_sample.json
// FNVI Report — illustrative sample
current_rating: 70%
combined_va_math: 82% (floored to 80%)
bayesian_nexus_score: 0.87
nexus_strength: "STRONG"
MISSED sleep_apnea_secondary
MISSED migraines_secondary_tbi
UNDER ptsd_functional_impact
STRONG tinnitus_service_connection
estimated_true_rating: "90–100%"
monthly_delta: "+$1,247–$2,890"
recommendation: "SUPPLEMENT_CLAIM"
nexus_evidence_strengthHIGH · 87/100
documentation_completenessMED · 54/100
rating_accuracy_scoreLOW · 28/100
Illustrative sample. Scores specific to each veteran's C-File.
Fisher Forensic Scoring Suite

One proprietary framework.
Every analytical tool you need.

FFSS is the umbrella brand for all of Monte's forensic scoring methodologies. The same Bayesian foundation and analytical rigor applied to VA claims is also applied to US expat taxes — because most VA clients abroad need both.

FNVI

Fisher Nexus Valuation Index

Core C-File engine. Bayesian nexus scoring + overall claim strength index. This page.

FBEU

Fisher Bayesian Evidence Updater

The underlying engine. Updates posterior probabilities as each piece of C-File evidence is processed.

FMHFII

Fisher Mental Health Functional Impact Index

Scores functional impairment from PTSD, depression, and anxiety against 38 CFR rating criteria.

FTARU

Fisher Tax Audit Risk Updater

Same Bayesian foundation, applied to US expat tax returns. Monte Carlo simulation of IRS audit exposure.

Most VA clients abroad also need FTARU. Learn about the tax service →

What FNVI finds

The claim value the VA
didn't put in your rating.

FNVI doesn't just list conditions — it scores each one against nexus strength, evidence quality, and 38 CFR rating criteria to show you the gap between what you're receiving and what the record supports.

HIGH IMPACT

Secondary conditions

Sleep apnea secondary to PTSD. Migraines secondary to TBI. Hypertension secondary to service stress. Conditions that follow from your rated conditions — which the VA rarely volunteers.

HIGH IMPACT

Underrated conditions

FNVI scores your current rating against the actual 38 CFR criteria in your file. If your PTSD functional impairment supports a higher level, the gap is calculated and documented.

HIGH IMPACT

Nexus documentation gaps

63% of initial denials cite missing nexus. FNVI's Bayesian engine identifies where your nexus is weak, missing, or insufficiently documented — and what type of evidence would strengthen it.

MEDIUM IMPACT

TDIU eligibility

Total Disability Individual Unemployability — if your combined rating plus unemployability evidence supports TDIU, the FNVI analysis will surface it with the applicable 38 CFR thresholds.

MEDIUM IMPACT

SMC opportunities

Special Monthly Compensation can significantly increase benefits for qualifying veterans. FNVI checks your file against SMC-L, SMC-S, and related eligibility criteria.

VARIES

PACT Act conditions

Burn pit, toxic exposure, particulate matter. The PACT Act expanded presumptive conditions significantly. FNVI checks your MOS, deployment history, and service dates against current eligibility lists.

Service tiers

Three levels.
One analyst. No hand-offs.

Tier 1 — Free$0

Basic analytics

  • DD214, MOS/job review
  • Post-service records discussion
  • Initial claim opportunity overview
  • No C-File upload required
Start free →
Tier 2 — Core FNVIFlat fee

Full C-File forensic analysis

  • Complete C-File review (any size PDF)
  • FNVI nexus + evidence scoring
  • Secondary & missed condition mapping
  • 38 CFR underrating analysis
  • PACT Act eligibility check
  • Written report (PDF/Word)
  • Optional 15–30 min consult
Request Tier 2 →
Tier 3 — Full FFSSFlat fee

FNVI + FMHFII + strategy session

  • Everything in Tier 2
  • FMHFII mental health impact scoring
  • TDIU & SMC opportunity analysis
  • DBQ gap identification
  • IMO referral recommendations
  • Full 30–60 min strategy session
  • FTARU tax review add-on available
Request Tier 3 →

Message for current flat fee rates. Pricing varies by C-File size and complexity.

Process

From C-File upload
to written FNVI report.

STEP 01
Submit intake form

Tell Monte your situation — current rating, conditions, what you've been denied, which tier interests you.

STEP 02
Upload your C-File

Share your full C-File PDF via Proton Drive secure upload. Any size. HIPAA-standard handling. Monte reviews every file personally.

STEP 03
FNVI analysis runs

AI-assisted extraction + Monte's personal forensic review. Conditions mapped, nexus scored, rating gaps calculated against 38 CFR.

STEP 04
Written report delivered

PDF/Word report with FNVI scores, missed conditions, nexus gaps, specific next steps — and a recommendation: file yourself, VSO, or attorney.

Also available

Are you a veteran expat
who also self-files taxes?

Most VA clients in the Philippines and abroad are also US expat filers. VA disability compensation is generally tax-free — but veterans with mixed income (service comp + earned income + foreign pensions) have complex FEIE and FBAR situations that need forensic review before filing.

FTARU — Fisher Tax Audit Risk Updater

The same forensic rigor,
applied to your tax return.

Bayesian + Monte Carlo simulation of your audit exposure before you hit submit. Flat fee. 48-hr turnaround. Or get referred to our licensed US CPA partner for full prep and sign-off. Add it to any FFSS tier — one analyst handles both.

Learn about FTARU →
Get started

Request your
FNVI C-File analysis.

Every submission reviewed personally by Monte. Response within one business day.

fnvi_intake · Secure · HIPAA-standard · Proton Drive upload

// intake_received: true

Monte will respond within one business day with next steps and pricing.

or reach out directly
Free Tier 1 available · Flat fee Tiers 2 & 3 · HIPAA-standard data handling
Not VA-accredited. Educational insights only. Always use a free accredited VSO for official representation.
The analyst

Monte Fisher,
CPA (Ret.) · CFE

Monte Fisher — Retired CPA and Certified Fraud Examiner
Monte Fisher
CPA · Texas (Retired)CFE · ACFE20+ Yrs AnalyticsIn-Person · MakatiRemote · WorldwideHIPAA Compliant

Monte built the FFSS framework after recognizing that VA claims analytics and tax forensics share the same analytical DNA — Bayesian probability, evidence weighting, and forensic pattern recognition. The result is a suite that gives veterans and expats a genuinely independent, data-driven second opinion before they submit anything to the VA or the IRS.

He works in-person in Makati and remotely worldwide. Every C-File is reviewed personally. No associates. No hand-offs. Successfully helped veterans win hundreds of claims.

FAQ

Common questions.

What is the FNVI and how is it different from a regular C-File review?
A standard C-File review lists what's in your file. The Fisher Nexus Valuation Index scores it — each condition and piece of evidence is run through Bayesian probability weighting to produce a nexus strength score, a documentation completeness score, and an overall rating accuracy score against 38 CFR criteria. The result is a quantified gap analysis, not just a summary.
Can you actually get me a higher rating?
No — and Monte will never promise that. He provides educational analysis, not VA representation. What FNVI does is show you, with evidence and scoring, where your claim has gaps that a higher rating would be supported by the record. What you do with that analysis — file yourself, take it to a VSO, or work with an accredited attorney — is your decision. Monte always recommends using a free accredited VSO for official representation.
Do I need my full C-File or can I start with just my DD214?
Tier 1 (free) starts with just your DD214 and MOS/job details — no C-File needed. Tiers 2 and 3 require your full C-File PDF, which you can request from the VA via FOIA/PAL. The process takes 30–90 days depending on VA backlog. Monte can advise on the fastest request method for your situation.
I live in the Philippines — can I meet in person?
Yes. Monte is based in Makati and sees clients in person at Makati Palace, LG 10-11, Burgos Street. Remote consultations via WhatsApp or video are available worldwide.
Can I add the FTARU tax review to my C-File analysis?
Yes — and this combination is specifically recommended for veteran expats. VA disability compensation is tax-free, but veterans with earned income abroad, foreign bank accounts, or Philippine corporate interests have complex FEIE and FBAR situations. Both services are handled by Monte personally. Indicate your interest in the intake form and he'll quote both together.

Important disclosures & disclaimers

Not VA representation. Monte Fisher is not VA-accredited and does not represent veterans before the VA, file claims, or provide legal advice. All C-File analysis, FNVI scoring, and FFSS outputs are educational and analytical in nature only. Always use a free accredited VSO or VA-accredited claims agent for official representation.

Not a guarantee. FNVI scores and rating opportunity estimates are analytical outputs based on available C-File evidence and 38 CFR criteria. They do not guarantee any VA rating outcome.

HIPAA-standard handling. C-Files contain sensitive PII and medical records. All documents are handled under HIPAA-standard protocols via Proton Drive secure transfer and are not retained beyond the engagement.

Tax services. FTARU is a separate analytical service. Monte Fisher's CPA license is retired and inactive. FTARU is not tax advice or preparation. Referral fees on CPA partner referrals are disclosed to all clients.