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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: W. Ng

Last conversation 95 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 95 days ago by video. Since then 1 thing changed. I can cite 5 facts to a field, I infer 0 with a confidence, and there are 3 things I could not establish; ask about those first.

  • ClientTwo months of cash against a six-month target. Observed yesterday.
  • Nothing has been heard from the client in 95 days.
  • No trusted contact is on file.

Ask: What has changed since we last spoke?

Since you last spoke

  • Two months of cash against a six-month target. Observed yesterday.

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

What the file observes

  • Last contact 95 days ago, by video: Onboarding; set the 6-month cash target and the monthly contribution.

    Contact, 95 days agodata/clients/hh-ng.json#contactHistory[0]

  • Liquidity is 4 months short: 2 of 6 months. Assumption on file: 6 months of spending at $4.2K a month.

    Liquidity goaldata/clients/hh-ng.json#goals[0]

  • Longevity is $1.11M short: $87K of $1.2M. Assumption on file: Retirement at 65; contributions of $900 a month.

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

  • Cash for planned spending covers 2 months; the household's rule asks for at least 3.

    Holdingsdata/clients/hh-ng.json#holdingsClient ruledata/clients/hh-ng.json#constraints[1]

  • Prefers to be contacted: Evenings by text or video.

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

What Relay infers, least certain first

Nothing here is inferred. Every claim above is read straight off a record.

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 95 days.

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

    Ask: What has changed since we last spoke?

    Contact, 95 days agodata/clients/hh-ng.json#contactHistory[0]

  • No trusted contact is on file.

    If capacity or exploitation is ever in question there is nobody the firm may call. FINRA Rule 4512 asks that one be requested.

    Ask: Who would you want us to contact if we could not reach you?

    Supervisory recorddata/clients/hh-ng.json#supervisory.trustedContactOnFile

  • 1 channel the advisor uses is not captured at all: voice. Anything the client said there is not in this briefing. 1 more (crm) is captured without a retained copy.

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

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

Questions worth asking

  1. What has changed since we last spoke? from: Nothing has been heard from the client in 95 days.
  2. Who would you want us to contact if we could not reach you? from: No trusted contact is on file.

Assembled from

  • Flagged opportunity9 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

voice: 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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