Margaret Ellison, advisor (synthetic persona)Senior advisor, founder and executive practice, New YorkAbout $820M across 183 households; four relationships above $50M; 7 of those households are in this prototypeWho's who

Books and records

Record completeness. The books and records function: is every channel the advisor uses captured, retained and producible on request.

Agent read or preparedYou decide or sendClient said or holds

Record completeness · ran day 0, 06:10

I read every attested channel for Margaret Ellison against 2 rules. I raised 2 findings, 1 blocking, and prepared 3 actions; 3 still wait on you.

Open the findings

How I got there

1. AgentRead every attested channelCadence: daily.
2. AgentApplied 2 rulesBusiness conducted on an uncaptured channel; No retained copy behind a captured channel
3. AgentRaised what fired and what I was not sure ofA rule under its confidence floor reaches a person even when it clears.
4. YouLeft every disposition to a personI never clear my own findings.

Compare what the advisor says they use against what is actually captured, and name the exposure on every gap.

Reads: Which channels you use and which of them are captured
Checks: Business conducted on an uncaptured channel; No retained copy behind a captured channel
Prepares: a source to connect; a task with an owner
Runs: Every morning
Never: Never sends, never clears its own finding, and no advisor can switch it off or loosen it without a principal.
How: 2 rules, each a stated condition over facts computed from the book; under a rule's confidence floor, or without the source it needs, it asks a person rather than clears.
Built on: SEC Rule 17a-4, records to be preserved

Read a written policy into it

BlockingRunningSEC 17a-4FINRA 4511FINRA 3110Daily. Last run day 0, 06:10.

Rules this desk watches (2)

Each rule is data: a stated condition over facts computed from the book, the settings a layer may tighten, what the desk prepares when it fires, and the text it is built on with where that text stands in law today.

Business conducted on an uncaptured channel

Block

SEC · SEC Rule 17a-4; Exchange Act Section 17(a) · firm-mandatory

Fires when: channels in use and not captured is present or record completeness is under 1
Settings: Minimum record completeness: 1 (bounds 0 to 1, stricter is higher)The industry has paid billions in fines for exactly this. The firm default is total coverage.
Prepares: a source to connect; a task with an owner
Needs: Nothing beyond the book
In law: In force; Rule 17a-4 as amended in 2022, compliance required from May 3, 2023.
Source: SEC Rule 17a-4, records to be preserved
Today: Raised 1 for Margaret Ellison.

Change this rule

No retained copy behind a captured channel

Flag for review

SEC · SEC Rule 17a-4(b)(4), 17a-4(f) · firm-mandatory

Fires when: channels read but not retained is present
Prepares: a source to connect
Needs: Communications archive
In law: In force; the 2022 amendments to paragraph (f) required compliance from May 3, 2023.
Source: SEC Rule 17a-4, records to be preserved
Today: Raised 1 for Margaret Ellison.

Change this rule

Findings it raised (2)

AgentBusiness conducted on an uncaptured channelRecord completeness · calendar, voice, sms, chat, social in use with nothing capturing them. Record completeness is 0.36.Block

AgentNo retained copy behind a captured channelRecord completeness · meeting, crm captured but held by no system of record. Evidence exists and retention does not.Flag for review

Tune this desk for Margaret Ellison

Editing asA lower layer can only tighten; a refused change stays in the log.

AgentBooks and records

Record completeness · The books and records function: is every channel the advisor uses captured, retained and producible on request.

Running

SEC 17a-4FINRA 4511FINRA 3110

Daily. 2 rules, 2 evaluable with what is connected.

Business conducted on an uncaptured channel
No retained copy behind a captured channel

Why the desks are data, and what an advisor layer may change

Each desk is one entry in the agent catalog: the human team it mirrors, the authorities it applies, the rules it watches and its cadence. Adding a desk is adding an entry. An advisor's layer can switch a desk on, run it more often or give it another rule of its scope, and every change is an entry in the same change log the rules use, replayable to any past moment. It cannot switch a desk off, slow it down or take a rule away: the same tighten-only invariant the rule set has, enforced in the resolver and shown on the desk when an attempt is refused.

Teach this desk a policy

Paste or drop a written supervisory procedure. The reader turns each sentence that carries an obligation into a candidate rule in the same shape the engine runs, cited to the sentence. You add the ones that say what the firm meant; each is in force on the next sweep and lands in the change log in your name.

What the reader does

Keeps only sentences with an obligation: must, may not, is required.
Matches the facts the engines compute, by the words a policy uses for them.
Reads the number and the comparator beside each fact.
Takes severity from the verb: a prohibition blocks, a review flags.
Cites the rule the sentence cites, or the paragraph.

This is the deterministic reader. In production a model reads the sentence more freely; it still only proposes, and what it proposes is still this data.