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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: P. Desrosiers

Last conversation 28 days ago by video. 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 28 days ago by video. Since then 4 things changed. I can cite 3 facts to a field, I infer 1 with a confidence, and there are 3 things I could not establish; ask about those first.

  • ClientThe client information refresh is three weeks late. Observed 20 days ago.
  • ClientAssociate advisor noted 10 days ago: "Pension election packet arrived; P. would like us to model lump sum against annuity before the deadline in 60 days."
  • Assets exist outside the platform and their size, cost and tax position are not in the file.
  • Client information refresh has been open 20 days and is escalated.

Ask: Can we see statements for the assets held elsewhere?

Since you last spoke

  • The client information refresh is three weeks late. Observed 20 days ago.

    Flagged opportunitydata/clients/hh-desrosiers.json#opportunities[1]

  • Associate advisor noted 10 days ago: "Pension election packet arrived; P. would like us to model lump sum against annuity before the deadline in 60 days."

    Team note, 10 days agodata/clients/hh-desrosiers.json#notes[0]

  • Requested 20 days ago and still unsigned: Client information refresh.

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

  • Requested 9 days ago and still unsigned: Rollover recommendation record.

    Paperworkdata/clients/hh-desrosiers.json#paperwork[1]

What the file observes

  • Last contact 28 days ago, by video: Retirement date set; discussed the pension options and the 401(k) held at the employer.

    Contact, 28 days agodata/clients/hh-desrosiers.json#contactHistory[0]

  • Longevity is $1.34M short: $2.86M of $4.2M. Assumption on file: Retirement at 59 with the 401(k) counted once it is on the platform.

    Longevity goaldata/clients/hh-desrosiers.json#goals[1]

  • Prefers to be contacted: After 5pm; on shift until then.

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

What Relay infers, least certain first

  • Reading the associate advisor's note, the client may intend: "Pension election packet arrived; P. would like us to model lump sum against annuity before the deadline in 60 days." This is a colleague's account, not the client's words.

    Inferred, 70 percentAsk: Confirm what was meant, and whether it has a budget and a date.

    Team note, 10 days agodata/clients/hh-desrosiers.json#notes[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

  • Assets exist outside the platform and their size, cost and tax position are not in the file.

    Advice on the whole picture is not possible on part of it, and the household's own rules cannot be checked against what we cannot see.

    Ask: Can we see statements for the assets held elsewhere?

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

  • Client information refresh has been open 20 days and is escalated.

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

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

  • 3 channels the advisor uses are not captured at all: calendar, voice, 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-c.json#connections

Questions worth asking

  1. Can we see statements for the assets held elsewhere? from: Assets exist outside the platform and their size, cost and tax position are not in the fil…
  2. Confirm what was meant, and whether it has a budget and a date. from: Reading the associate advisor's note, the client may intend: "Pension election packet arri…

Assembled from

  • Flagged opportunity10 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, 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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