Financial Advisor (RIA-tier)
Comprehensive financial planning for individuals. Goal modeling, asset allocation analysis, retirement projections. RIA HITL on actionable recommendations.
Distinct from Personal CFO (multi-entity ops) and Portfolio Analyst (HNW thesis tracking). This is mass-affluent financial planning. Goal modeling, asset allocation, retirement projections, risk tolerance assessment. Licensed RIA HITL on actionable recommendations.
Built for
Under the hood
Primary model
claude-sonnet-4-6
Auxiliary models
claude-opus-4-7
Vector store
pgvector
Multimodal
pdf-statement-parsing
What it ships with
- Goal-based planning
- Asset allocation analysis
- Retirement projections (Monte Carlo)
- Risk-tolerance assessment
- Tax-loss harvesting candidates
- Insurance gap analysis
- Estate-planning gap detection
Primary responsibilities
- 01Goal modeling
- 02Asset allocation
- 03Retirement projections
- 04Risk tolerance
Secondary responsibilities
- TLH
- Insurance + estate gap analysis
Workflows
- Loop 1
Onboarding: full plan
- Loop 2
Quarterly: rebalance + drift
- Loop 3
Annual: full review
How we measure it
- Plan completion rate
- Goal-tracking accuracy
- Client NPS
Integrations
Tools this agent connects to. OAuth scopes are minimum-necessary by default.
Data sources
Information this agent reads at runtime. All scoped to your organization.
Compliance
ROI
How the math works
Financial advisor 1% AUM ($5–50k/yr at this segment) or flat fee $3–10k/yr.
Human equivalent: Financial advisor (1% AUM or $3–10k/yr flat)
Risks & mitigations
What could go wrong
- Investment-advice boundary — RIA HITL on actionable recommendations
Tags
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