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

Features

Twenty-two agents, the screens they feed, the tools they read, and the guarantees underneath all of them.

8 compliance review desks mirror the teams a legal, risk and compliance function runs, and an advisor's layer can tighten any of them and loosen none.
Eleven more run on the book every morning (research, retrieval, discovery, options and consequences, rule-change proposer, meeting prep, onboarding, held-away money, book economics, next conversation, ranking), and 3 run when you ask (dossier, policy reader, Ask).
Everything is data and everything is cited. A client, a rule, a desk, a connector: one file each. Add a file and it is in the product.

8 compliance review desks

Desk	Mirrors	Authorities	Runs
AgentCommunications review	The electronic communications review team: correspondence sampling, the retail communication line, privacy on approved channels, generated text under supervision.	FINRA 3110FINRA 2210FINRA 24-09Reg S-P	on draft
AgentMarketing and advertising review	The marketing review desk: performance, projections and testimonials in advisory-capacity material, before it reaches a client.	SEC 206(4)-1FINRA 2210	daily
AgentComplaints	The complaints desk: identify a grievance in what the client wrote, log it, and start the clock the reporting rule runs on.	FINRA 4513FINRA 4530	on draft
AgentBooks and records	The books and records function: is every channel the advisor uses captured, retained and producible on request.	SEC 17a-4FINRA 4511FINRA 3110	daily
AgentReg BI review	The care-obligation reviewer: basis, reasonably available alternatives, costs, and why this client, before a recommendation is released.	Reg BI	on proposal
AgentSales practice supervision	The branch supervisor's suitability review: concentration against the household's own ceiling, and the trend toward it.	FINRA 2111FINRA 3110	daily
AgentSenior and vulnerable investors	The senior investor desk: exploitation indicators on specified adults, trusted contacts, holds on disbursements.	FINRA 2165FINRA 4512	daily
AgentRegistered representative conduct	The registered representative conduct desk: outside business activities and private securities transactions, from what was actually written.	FINRA 3270FINRA 3280	weekly

Open any desk to see its rules, its findings, tune its cadence for one advisor, or read a written policy into it.

Fourteen more agents that read the book for the advisor

Agent	Reads	Leaves for a person
Research	The client file, the service queue, the firm's record, the channels	A briefing from 12 probes: what changed, observed, inferred with a confidence, not established
Retrieval	The document corpus, on every opportunity	Cited passages with a reason per score, conflicts shown as conflicts, or a refusal
Discovery	What clients said, in messages, notes and contact summaries	Candidate opportunities from 9 extractors, each cited to its sentence
Options and consequences	Every shelf product against the household's rules, on a copy of the household	After-tax income, cost, access, rate risk, and the morning after, graded
Rule-change proposer	Ninety days of findings	Tighten-only rule changes with the findings behind each, for a principal
Meeting prep	Today's calendar and the client file behind each meeting	A review pack and a briefing for every client meeting
Onboarding	Every form on every client file: when it was requested, when it was signed, and the note the team left	Open forms escalated past the household's threshold, and a reminder drafted for each, which a person sends
Held-away money	What clients wrote, what the team noted, and the reason path of every opportunity, for money that is not on the platform	Per household: each held-away signal cited to its record, the amount when one is stated, and the wallet share the file supports
Book economics	Every household's size and tier against the contacts, meetings, requests and open tasks on its file	Revenue and hours per household from an illustrative schedule, and the households that pay for attention they are not getting or take hours out of proportion
Next conversation	Held-away signals, open opportunities, unsigned forms, overdue tasks and the last contact, per household	Who to call this week, in order, with the reason cited to its record and a draft opener you say or send
Ranking	Every opportunity raised on the advisor's book	Today's list: materiality times the advisor's weight, capped at the advisor's list size
Dossier	The file, the CRM, the captured corpus, the firm's documents, the public record	Every claim cited, sources checked against each other, a CRM note a person files
Policy reader	A written supervisory procedure	Candidate rules in the engine's own shape, each cited to its sentence, for a person to add to a desk
Ask	The advisor's book, the findings, the rules, the sources, today's calendar	An answer to a plain question, with the records it read

For the advisor

A morning inbox, not a dashboard

Decide now, review what the agents prepared, see what else ran. Every action opens with the draft, the reasoning and where it goes; a decision stays on screen as a recorded outcome.

Options the way an advisor compares them

After-tax income, cost over the horizon, access, rate risk, and the morning after for each, with a rejected option shown with the failing rule named.

Ask anything, cited

A household's cover, what a client said, what needs you first, what a desk watches. Every answer names the records it read.

Reads the tools you already run

23 connectors across CRM, custodian, portfolio, planning, archive, e-signature and every channel. Read only; the advisor keeps working where they work.

Every conversation prepared

A briefing and a review pack before each meeting, with what could not be established listed rather than guessed.

Personalized, never loosened

Preferences resolve most-specific-wins; rules resolve strictest-wins; the learning loop proposes and never applies.

For the supervisor

Findings that arrive prepared

The facts read, the citation, the drafted remediation and the prepared action. Disposition is one decision, defended later by replay.

Policies become rules

Paste a written supervisory procedure into a desk; each obligation becomes a candidate rule cited to its sentence; a principal adds the ones the firm meant.

Every change attributed

Who, when, which layer, from what to what, and why. An attempt to loosen is refused and stays in the log.

Underneath all of it

Never sendsNo module can reach an outbound transport. Enforced by dependency-cruiser, a test suite and a content security policy in the browser.

The model never decidesEligibility, ranking, the recipient count, the supervisory regime, every rule verdict and every grade are deterministic code.

Nothing clears its own findingsAn agent detects and prepares; a principal dispositions; a person accepts each prepared action.

Everything is dataA client, an advisor, a document, a rule, a desk, a connector: one file each.

Evaluated, not assertedA 300-household corpus scored by an expected side that imports nothing from the engines, enforced in the check suite.

Next: How it works, the loop, every morning.