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

Change log

Append-only. A rule is never edited in place: the console adds an entry and the effective policy is the baseline with these folded onto it, newest last.

Entries

Rule changes

Agent changes

Refused

Replay

Pick an entry to see the rule set as it stood immediately after it. This is how a past decision is defended: the rules that produced it are reconstructable, not remembered.

Entries, newest first

When	Who	Layer	What changed	Why	State
2026-09-26 08:30:00	Thomas Reinholt console	Advisor	Sales practice addRule to senior-investor-2165	This book skews older. The sales practice desk should see the specified-adult indicators beside suitability, not on a separate queue.	In force
2026-09-25 16:40:00	Margaret Ellison console	Advisor	Complaints enabled true to false	We log complaints by hand in the CRM; the agent duplicates the desk.	In force
2026-09-24 16:12:00	Margaret Ellison	Advisor	Holdings drifted outside the stated profile maxConcentration 25 to 35	Book is concentrated by design: pre-liquidity founders hold their own equity.	Refused: would loosen
2026-09-24 10:15:00	M. Duarte, Team Supervisor	Advisor	Marketing review cadence daily to on_draft	The pooled queue sends templated language to many households a day; a daily batch review is too late for the second send.	In force
2026-09-22 11:40:00	M. Duarte, Team Supervisor	Segment	Retail communication crossing the pre-approval threshold threshold 25 to 15	Pooled queue sends the same language to many households. Reviewing at 15 keeps us clear of the 25 line rather than at it.	In force
2026-09-18 09:05:00	R. Okonkwo, Compliance Principal	Firm	Conduct enabled false to true	Annual outside-business attestation cycle opened.	In force
2026-09-14 15:20:00	R. Okonkwo, Compliance Principal	Firm	Performance or testimonial content in advisory-capacity material severity flag to block	Dual registrant. Until the FINRA projections proposal is adopted we block projections in client-facing text rather than flagging them.	In force

Undo removes the entry because this prototype holds the log in session state. In production a reversal is itself an entry, so the log stays append-only and a reversal is as attributable as the change it reverses.

Refused changes, kept on purpose

A layer that tried to loosen a rule is itself a supervision signal, so the attempt is recorded and the rule stays where the higher layer set it.

Holdings drifted outside the stated profile: Advisor tried to set maxConcentration to 35. Would loosen Single-name concentration ceiling. A lower layer may only move it in the stricter direction.