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12 findings

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

Pell: Cash covers 4 of 6 months

Why this client

Pell is number 2 of 3 on today's list: score 42.8 = materiality 45 × over a limit weight 0.95 (firm default). Flagged on: Liquidity strategy underfunded; Liquidity funded 4 of 6 target months. 3 passages from 2 documents support it.

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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.

3

Cited passages, from 2 documents

0

Related, not cited

0

Sources in conflict

0

Past review date

Why it was flagged

Over a limit

  1. LimitLiquidity strategy underfunded
  2. ClientPell household
  3. GoalLiquidity funded 4 of 6 target months

Cited evidence, ranked

  • Where a Liquidity strategy is unfunded, new cash inflows are the lowest-cost source of funding because no position has to be sold.

    Sizing a Liquidity strategy, passage p2prototype corpus, day 2

    Relevance 0.54="cash" +0.09"liquidity" +0.06"fund" +0.06"strategy" +0.07Cited by the opportunity record +0.25

  • A Liquidity strategy is sized to cover two to five years of planned spending, held in instruments that do not require selling risk assets during a drawdown.

    Sizing a Liquidity strategy, passage p1prototype corpus, day 2

    Relevance 0.47="covers" +0.09"liquidity" +0.06"strategy" +0.07Cited by the opportunity record +0.25

  • Laddered US Treasuries mature on a schedule matched to planned withdrawals. Market value can move before maturity; held to maturity, principal is returned at par.

    Treasury ladder, 0 to 3 years, passage p1prototype corpus, day 1Cited, but shares no term with this opportunity

    Relevance 0.25=Cited 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

  • liquidity2 passages
  • strategy2 passages
  • cash1 passage
  • covers1 passage
  • fund1 passage
  • cushionnone
  • householdnone
  • monthsnone

What the team already knows

  • Video, 150 days ago: Onboarding call; set the 6-month cash target
  • Callback queue, 6 days ago: C. Pell asked last week how much cash to keep on hand.

Full briefing, with what could not be established

Client picture · Options · Documents