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

Brandvold household

Cross-border executive. $5M+. $14.2M. US and UK tax, unvested deferred compensation, PFIC exposure in legacy holdings.

Book

E. Brandvold, 49. Liquidity covers 18 months of 24 wanted; single name none against the family's 10% rule. 1 opportunity is on the list.

ClientUK pension found at another firm

Read the briefing

Advice state against Liquidity, Longevity, Legacy

Strategy	Funded	Target	Coverage	Driving assumption
Liquidity	18 months	24 months	Gap 6 months	24 months, higher because of relocation risk
Longevity	$9M	$12M	Gap $3M	Retirement in the UK or US, undecided
Legacy	$0	No goal		No stated legacy goal

Holdings

Holding	Value	Weight
Diversified core model	$11.4M	80%
Legacy non-US funds (PFIC exposure)	$2.08M	15%
Cash	$720K	5%

Single-name exposure 0% of investable assets.

IPS constraints and persons

At most 10% in any one stock
Keep 12 months of cash before locking money up
Risk level at most 4 of 5
No exchange funds

Persons (1): E. Brandvold, primary. Each person counts separately toward the retail-investor threshold.

People

E. Brandvold, 49 (primary)

How to work with this client

Channel: email (Firm default)
Best time: Evenings UK time, 5 to 7pm (Client setting)
Notes: full (Firm default)
Escalate unsigned forms after: 14 days (Firm default)

All settings and where they come from

Contact history and team notes

Call, 40 days ago: Discussed a possible move back to the UK in two years
Wealth strategist, 10 days ago: UK pension transfer value received; needs a cross-border tax view before any action.

Open tasks

Cross-border tax review of legacy UK funds (Wealth strategist, due in 10 days)
Map deferred compensation vesting dates (Junior advisor, due in 7 days)

Paperwork

due US tax status confirmation (9 days open)
escalated Foreign pension disclosure (16 days open)

All paperwork

Service requests

Transfer in “Can you get the transfer value of my UK pension moved here?”

All service requests

Documents this client's view is grounded in

Non-US pooled funds held by US taxpayers (research note, prototype corpus day 4)

Composite persona: built from

Invented name and figures inside published ranges. Who's who

Money elsewhere, and the next conversation

Wallet share 100% or less: $14.2M on the platform. Wallet share

Pension or transfer value amount not stated: "Assets identified as held away: UK pension" (opportunity opp-brandvold-held-away)
Account at another firm amount not stated: "Assets identified as held away: UK pension" (opportunity opp-brandvold-held-away)
Equity compensation or vesting amount not stated: "US and UK tax, unvested deferred compensation, PFIC exposure in legacy holdings" (file hardPart)

Next conversation: Pension or transfer value: "Assets identified as held away: UK pension". Who to call

Draft for you: "Hi E. Brandvold, when we last spoke you mentioned pension or transfer value. I'd like to put it beside what we hold so you can see the whole picture in one place. Would a short call this week suit?"

Open opportunities

Assets identified as held away: UK pension. Evidence