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Relay
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

Briefing: Abernathy family

Last conversation 200 days ago by meeting. What has changed since, what the file says, what Relay infers, and what it could not establish.

Research · ran day 0, 06:30

You last spoke 200 days ago by meeting. Since then 3 things changed. I can cite 4 facts to a field, I infer 1 with a confidence, and there are 4 things I could not establish; ask about those first.

  • Client38% of wealth in one inherited stock; the family's rule is 30%. Observed yesterday.
  • ClientClient service associate noted 15 days ago: "Two calls unreturned this month. D. Abernathy's assistant says they are travelling until next week."
  • Nothing has been heard from the client in 200 days.
  • The Legacy goal has a target but nothing funding it, and the file records intent only.

Ask: What has changed since we last spoke?

Since you last spoke

  • 38% of wealth in one inherited stock; the family's rule is 30%. Observed yesterday.

    Flagged opportunitydata/clients/hh-abernathy.json#opportunities[0]

  • Client service associate noted 15 days ago: "Two calls unreturned this month. D. Abernathy's assistant says they are travelling until next week."

    Team note, 15 days agodata/clients/hh-abernathy.json#notes[0]

  • Requested 40 days ago and still unsigned: Annual client information confirmation.

    Paperworkdata/clients/hh-abernathy.json#paperwork[0]

What the file observes

  • Last contact 200 days ago, by meeting: Annual review; H. reluctant to sell any of the inherited holding.

    Contact, 200 days agodata/clients/hh-abernathy.json#contactHistory[0]

  • Legacy is $5M short: $0 of $5M. Assumption on file: Stated intent: the utility holding passes to three grandchildren.

    Legacy goaldata/clients/hh-abernathy.json#goals[2]

  • 38% of investable assets in one name against the household's own 30% rule.

    Holdingdata/clients/hh-abernathy.json#holdings[0]Client ruledata/clients/hh-abernathy.json#constraints[0]

  • Prefers to be contacted: Afternoons; D.'s assistant books the calls.

    Client preference, contact windowdata/clients/hh-abernathy.json#preferences.values

What Relay infers, least certain first

  • The evidence behind "38% of wealth in one inherited stock; the family's rule is 30%" rests on documents that disagree (concentration plan suffices). Retrieval leans on the newer one; that lean is not a decision.

    Inferred, 85 percentAsk: Check which view the desk stands behind before quoting either.

    Evidencedata/clients/hh-abernathy.json#opportunities[0]
What an inference is here, and what a model would do
An inference is a sentence Relay produced from a record that was written for another purpose: a colleague's note, an earmark on a holding, a flag on the firm's account record. Each carries the confidence its probe assigns (a team note 70 percent, a text classification 80 percent, file arithmetic 85 percent) and the question that would turn it into an observation. In production a model would draft these sentences and could read free text more capably; it would still not decide what is observed against inferred, what is missing, or what may be asserted without a record behind it.

What Relay could not establish

  • Nothing has been heard from the client in 200 days.

    Goals, spending and family circumstances in this file are as old as that conversation.

    Ask: What has changed since we last spoke?

    Contact, 200 days agodata/clients/hh-abernathy.json#contactHistory[0]

  • The Legacy goal has a target but nothing funding it, and the file records intent only.

    A target with no funding plan is a conversation that has not happened yet, or one nobody wrote down.

    Ask: Is the legacy target still what you want, and when would you like to start funding it?

    Legacy goaldata/clients/hh-abernathy.json#goals[2]

  • Annual client information confirmation has been open 40 days and is escalated.

    Until it is returned, the profile the rules are checked against is the old one.

    Paperworkdata/clients/hh-abernathy.json#paperwork[0]

  • 5 channels the advisor uses are not captured at all: calendar, voice, sms, chat, social. Anything the client said there is not in this briefing. 2 more (meeting, crm) are captured without a retained copy.

    A briefing assembled from captured channels is only as complete as the capture.

    Connected channelsdata/advisors/adv-a.json#connections

Questions worth asking

  1. What has changed since we last spoke? from: Nothing has been heard from the client in 200 days.
  2. Is the legacy target still what you want, and when would you like to start funding it? from: The Legacy goal has a target but nothing funding it, and the file records intent only.
  3. Check which view the desk stands behind before quoting either. from: The evidence behind "38% of wealth in one inherited stock; the family's rule is 30%" rests…

Assembled from

  • Flagged opportunity12 claims
  • Connected channels1 claim

12 probes ran: last-contact, since-last-contact, goals, holdings, people, notes-intent, held-away, supervisory-inputs, client-information, preferences, coverage, evidence.

What this briefing cannot have seen

calendar, voice, sms, chat, social: in use by the advisor, captured by nothing. Connected channels.

Nothing here was drafted for the client, and nothing is sent. The advisor takes it into the conversation.

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