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

Why this client

Desrosiers: A $900K retirement account is still at the old employer

Why this client

Desrosiers is number 3 of 5 on today's list: score 56.1 = materiality 66 × plan or service weight 0.85 (firm default). Flagged on: Retirement date set, 18 months out; Longevity funded $2.86M of $4.2M; 401(k) held away at another firm, about $900K. 2 passages from 1 document support it.

Open Desrosiers

Materiality comes from the agent that raised the item; the weight is yours to tune on Today's list. The ranking and the relevance scores are arithmetic, and a model never reorders either.

Cited passages, from 1 document

Related, not cited

Sources in conflict

Past review date

Why it was flagged

Plan or service

Service eventRetirement date set, 18 months out
ClientDesrosiers household
GoalLongevity funded $2.86M of $4.2M
Holding401(k) held away at another firm, about $900K

Cited evidence, ranked

Client information is refreshed on a 36-month cycle or on a material life event.
Account review and documentation procedure, passage p2prototype corpus, day 1
Relevance 0.36="months" +0.04"account" +0.03"review" +0.03Cited by the opportunity record +0.25
Unsigned account documents older than 14 days are escalated to the branch supervisor.
Account review and documentation procedure, passage p1prototype corpus, day 1
Relevance 0.31="account" +0.03"review" +0.03Cited by the opportunity record +0.25

How relevance is scored, and where a model would sit

The query is the opportunity as the record states it: its title, class, strategy, action and reason path, and nothing more. Each passage's score is the share of the query's weight it covers, where a rarer term across the corpus counts for more and a term the corpus has never seen counts as its rarest, plus 0.25 when the record cites the document, halved when the document is past its review date. The floor is 0.20. In production a model rewrites the query and reranks the candidates; the floor, the citation requirement, the exclusion of superseded documents and the refusal stay in code, so a verdict never depends on a model's prose.

What the query matched

account2 passages
review2 passages
months1 passage
86mnone
900knone
aboutnone
anothernone
awaynone

What the team already knows

Video, 28 days ago: Retirement date set; discussed the pension options and the 401(k) held at the employer
Associate advisor, 10 days ago: Pension election packet arrived; P. would like us to model lump sum against annuity before the deadline in 60 days.

Full briefing, with what could not be established

Client picture · Documents