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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

Wallet share

What each household holds elsewhere, cited to the record that says so, and your hours against your revenue. For you, never for a client.

Held-away money · ran day 0, 06:50

I read every message, note, contact summary and opportunity on Margaret Ellison's 7 households for money that is not on the platform. 3 households hold something elsewhere: $4.1M where a record states the amount, and 4 signals with no amount stated. Against $160.4M on the platform, your wallet share is 98% at most; unstated amounts would lower it.

Open the Renner conversation

How I got there
  1. 1. ClientRead what the client wrote, what the team noted, and each opportunity's reason path32 records.
  2. 2. AgentMatched 5 kinds of held-away signalretirement plan at an employer; pension or transfer value; account at another firm; proceeds not yet on the platform; equity compensation or vesting.
  3. 3. AgentRead the amount where a record states oneA stated amount counts once even when two records name it. No amount is ever estimated.
  4. 4. YouLeft the conversation to youEach signal names the conversation it opens; Who to call orders them.

A model would read the sentence in production; what counts, what is cited and that no figure is invented stay in code.

Wallet share across the book

  • On the platform$160.4M
  • Held away, stated$4.1M

98%

Wallet share, at most

$4.1M

Held away, stated

4

Signals with no amount

3

Households with money elsewhere

Every household

HouseholdOn the platformHeld away, statedWallet shareSignals, each cited
Renner$62.4M$4.1M94%
  • Proceeds not yet on the platform$4.1M
    opportunity "Property sale recorded, $4.1M proceeds not on platform" (opp-renner-property, 85%)
    Ask where the money is now and what it is for, then size the Liquidity sleeve around it.
Brandvold$14.2Mnone stated100% or less
  • Pension or transfer valueamount not stated
    opportunity "Assets identified as held away: UK pension" (opp-brandvold-held-away, 85%)
    Model the options side by side and bring the comparison to the next meeting.
  • Account at another firmamount not stated
    opportunity "Assets identified as held away: UK pension" (opp-brandvold-held-away, 85%)
    Ask what the other account is for, and offer to show the whole picture in one plan.
  • Equity compensation or vestingamount not stated
    file "US and UK tax, unvested deferred compensation, PFIC exposure in legacy holdings" (hardPart, 60%)
    Bring the vesting schedule and a staged plan for each date.
Vasquez-Hale$1.2Mnone stated100% or less
  • Retirement plan at an employeramount not stated
    opportunity "401(k) rollover paperwork unsigned for 21 days" (opp-vh-rollover, 85%)
    Walk through what the plan holds and costs against what a rollover would, on paper, before the client decides.
Abernathy$19.5Mnone stated100%Nothing on file says money is elsewhere.
Alcott$8.4Mnone stated100%Nothing on file says money is elsewhere.
Okafor-Lind$31.6Mnone stated100%Nothing on file says money is elsewhere.
Thornbury$23.1Mnone stated100%Nothing on file says money is elsewhere.

Book economics · ran day 0, 06:55

Across Margaret Ellison's 7 households I estimate $970K a year at the illustrative schedule, against 26.5 hours of recorded work in the last 90 days: $37K an hour. 0 households pay above the median and have not been spoken to in 60 days; 0 take more than one and a half times the median hours for less than the median revenue.

Fee rates and hours per kind of work are placeholders in data/policy.json. A firm's own schedule and time records replace them; the arithmetic and the flags stay.

Hours against revenue, by household

HouseholdTierAssetsRateRevenue a yearHours, 90 daysPer hourLast contactFlag
Renner$50M+$62.4M45 bps$281K7$40K23 days agoin proportion
Okafor-Lind$5M+$31.6M70 bps$221K3.5$63K60 days agoin proportion
Thornbury$5M+$23.1M70 bps$162K3.5$46K14 days agoin proportion
Abernathy$5M+$19.5M70 bps$137K1.5$91K200 days agoin proportion
Brandvold$5M+$14.2M70 bps$99K3.5$28K40 days agoin proportion
Alcott$5M+$8.4M70 bps$59K4$15K120 days agoin proportion
Vasquez-Hale$500K to $5M$1.2M100 bps$12K3.5$3K21 days agoin proportion

Hours = contacts in the window at 1.5 each, meetings today at 2, open service requests at 0.5, open tasks at 0.75. Rates by tier: $50M+ 45 bps, $5M+ 70 bps, $500K to $5M 100 bps, Wealth Advice Center 60 bps. Illustrative.

What is autonomous here, and what is not
Reading the records, matching the signals and the arithmetic are autonomous, and every figure on this screen is cited to a record or to the schedule in data/policy.json. What is not autonomous is any figure the records do not state: an unstated held-away amount stays unstated, and the wallet share reads as a ceiling. Nothing here is shown to a client, no fee changes, and no household is recommended for anything; the advisor reads the arithmetic and decides.