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

Desrosiers household

Eighteen months from retirement. $500K to $5M. $3.4M. Retires in 18 months; a $900K 401(k) is held at the employer's plan; the Longevity number depends on a pension election not yet made.

Book

P. Desrosiers, 57. Liquidity covers 49 months of 36 wanted; single name none against the family's 10% rule. 2 opportunities are on the list.

Read the briefing

Advice state against Liquidity, Longevity, Legacy

Strategy	Funded	Target	Coverage	Driving assumption
Liquidity	49 months	36 months	Funded	36 months of spending at $11K a month
Longevity	$2.86M	$4.2M	Gap $1.34M	Retirement at 59 with the 401(k) counted once it is on the platform
Legacy	$0	No goal		No legacy goal stated

Holdings

Holding	Value	Weight
Diversified core model	$2.86M	84%
Cash	$220K	6%
Treasury ladder	$320K	9%

Single-name exposure 0% of investable assets.

IPS constraints and persons

At most 10% in any one stock
Keep 24 months of cash before locking money up
Risk level at most 3 of 5

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

People

P. Desrosiers, 57 (primary)

How to work with this client

Channel: email (Firm default)
Best time: After 5pm; on shift until then (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

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.

Open tasks

Model lump sum against annuity (Planning specialist, due in 7 days)
Chase the client information refresh (Client service associate, 6 days overdue)

Paperwork

escalated Client information refresh (20 days open)
due Rollover recommendation record (9 days open)

All paperwork

Service requests

None open.

All service requests

Documents this client's view is grounded in

Account review and documentation procedure (procedure extract, prototype corpus day 1)

Composite persona: built from

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

Money elsewhere, and the next conversation

Wallet share 79%: $3.4M on the platform against $900K stated elsewhere. Wallet share

Account at another firm $900K: "401(k) held away at another firm, about $900K" (opportunity opp-desrosiers-held-away)
Retirement plan at an employer $900K: "$900K 401(k) held away at the employer's plan; rollover decision within 18 months" (opportunity opp-desrosiers-held-away)
Pension or transfer value $900K: "Retires in 18 months; a $900K 401(k) is held at the employer's plan; the Longevity number depends on a pension election not yet made" (file hardPart)

Next conversation: Account at another firm, about $900K: "401(k) held away at another firm, about $900K". Who to call

Draft for you: "Hi P. Desrosiers, when we last spoke you mentioned account at another firm. 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

$900K 401(k) held away at the employer's plan; rollover decision within 18 months. Evidence
Client information refresh open 20 days. Evidence