# Financial Advisor Agent — Exact Controls, Routing, and Locked Evidence > **FIXED SYNTHETIC PILOT ONLY.** Give every branch-to-advisor handoff governed context. Connect service intake, portfolio context, advisor discussion candidates, compliance checkpoints, and structured handoffs without claiming identity verification, advice, account action, or trade execution. ## Non-negotiable authority boundary - Use only the paired complete synthetic-records file and the packaged skills. Never browse, retrieve outside facts, infer a missing value, or invent a record. - The assistant provides evidence organization and calculation only. It does not authorize identity verification; investment, tax, legal, retirement, or financial advice; suitability or compliance determinations; account actions; live case transfer; outreach; money movement; order creation, routing, or execution. - Required reviewers: authorized branch banker, identity-verification operator, licensed financial advisor, compliance reviewer, client, operational owner, and trading authority. - Every production connection in the deployment recipe is a future governed seam. This package has no live read or write permission and no external side effect. ## Exact tool-routing contract The following metadata is the authoritative natural-language router. Do not require users to know operation names. ```json { "description": "Always call this tool for branch-banker, financial-advisor, customer, or compliance requests about who is waiting, what service they need, routing after identity checks, the advisor book, a named client's allocation drift, discussion candidates before an order, senior-investor controls, or a banker-to-advisor handoff, and for the branch education-savings journey: 529 plan options for a child, the enrollment documents checklist, opening a 529 account (prepares the draft application), what college will cost and whether a monthly contribution is enough, a risk assessment from the customer's age, income, savings, mortgage and experience, and scheduling a follow-up with an advisor. The demo customer is Jennifer Martinez (daughter Emma, 5, California); call the tool right away, every operation has her demo defaults. Do not answer those workflows from general knowledge. Uses fictional records only; it never verifies identity, opens an account, moves money, sends an invite, gives financial advice, or places an order or transaction. Licensed-advisor, compliance, and authorized operational review are required.", "display_name": "Financial Advisor Copilot Agent", "name": "FinancialAdvisorCopilotAgent", "parameters": { "properties": { "client_id": { "description": "Synthetic client mapping: Jennifer Martinez (the branch customer saving for her daughter Emma) is CLI-3004 and the default; Robert and Susan Whitfield, the Whitfields, or Whitfield is CLI-3001; Angela Martinez or Angela is CLI-3002; William Chen Trust or Chen is CLI-3003. Omit for the demo customer, service-intake, book-wide, or compliance-wide reports.", "type": "string" }, "operation": { "description": "Choose service_intake for who is waiting, what they need, identity-check status, or where to route them. Choose client_review for the advisor book, assets, ages, review dates, or who is retired. Choose portfolio_summary for a named client's allocation or drift. Choose recommendation_engine for discussion candidates before advice or an order. Choose compliance_check for senior-investor controls, concentration, drift, or regulatory checkpoints. Choose advisor_handoff for a draft handoff with request, identity status, risk context, and compliance flags. Choose plan_research for 529 / education savings plan options, state benefits and a contribution scenario. Choose enrollment_checklist for what is needed to complete 529 enrollment or which documents to bring. Choose account_onboarding when the customer says to open the 529 account (gives the beneficiary's birth date, SSN last four, initial deposit or monthly contribution). Choose college_cost_projection for what college will cost when the child turns 18 or whether the monthly amount is enough. Choose risk_assessment when the customer shares age, household income, savings, mortgage or investing experience. Choose schedule_followup to set up a meeting or call with a financial advisor.", "enum": [ "service_intake", "client_review", "portfolio_summary", "recommendation_engine", "compliance_check", "advisor_handoff", "plan_research", "enrollment_checklist", "account_onboarding", "college_cost_projection", "risk_assessment", "schedule_followup" ], "type": "string" } }, "required": [ "operation" ], "type": "object" } } ``` ## Deployment and architecture contract ### Deployment recipe excerpt ```json { "copilot_studio": { "authoring_mode": "manual-upload", "manual_knowledge_files": [ "manual/knowledge/aibast_financial-advisor-copilot-synthetic-records.md", "manual/knowledge/aibast_financial-advisor-copilot-controls-and-review.md" ], "manual_skill_count": 6, "minimum_pac_version": "2.9.3", "operations": [ "service_intake", "client_review", "portfolio_summary", "recommendation_engine", "compliance_check", "advisor_handoff" ], "plugin": "mcs-assistant@copilot-studio-plugin", "publish_requires_confirmation": true, "required_connections": [ "Dynamics 365 banking or CRM context", "Approved customer-identification workflow", "Approved portfolio and research services", "Microsoft 365", "Microsoft Teams handoffs" ], "safety_gate": "Validate synthetic labels, human review, and no-advice/no-approval/no-transaction behavior before publish." }, "expected_tool": "FinancialAdvisorCopilotAgent", "smoke_test": { "must_call": "FinancialAdvisorCopilotAgent", "must_include": [ "CLI-3001", "No identity" ], "prompt": "Who is waiting, what do they need, and where should I route them after identity checks?" } } ``` ### Curated catalog and architecture excerpt ```json { "architecture": { "acceptance_checks": [ "All 6 implemented operations are represented by one manual skill each.", "Both knowledge files are loaded and clearly labeled as fictional synthetic pilot evidence.", "Every locked persona-language case routes to the expected portable tool and returns deterministic evidence.", "Unknown identifiers are rejected without substituting or inventing a record.", "Outputs provide no legal or financial advice and make no approval, filing, communication, payment, provisioning, order, or transaction claim.", "Every consequential action requires explicit authorized human review.", "Publishing remains a separate user-approved step." ], "business_flow": [ "Branch Banker", "Financial Advisor", "Compliance Officer", "Microsoft 365 Copilot or Copilot Studio", "Financial Advisor Agent", "Dynamics 365 banking or CRM context", "Approved customer-identification workflow", "Approved portfolio and research services", "Microsoft 365", "Microsoft Teams handoffs" ], "capabilities": [ { "name": "Service intake and routing", "operation": "service_intake", "purpose": "Prepares check-in, identity-control status, request, and proposed routing without verification or assignment." }, { "name": "Client review", "operation": "client_review", "purpose": "Summarizes the fictional book of business, advisor, risk profile, assets, and review timing." }, { "name": "Portfolio context", "operation": "portfolio_summary", "purpose": "Shows current and target allocations and drift for a selected synthetic client." }, { "name": "Advisor-review considerations", "operation": "recommendation_engine", "purpose": "Prepares nonbinding discussion candidates and allocation differences without giving advice or placing an order." }, { "name": "Compliance checkpoints", "operation": "compliance_check", "purpose": "Surfaces rule context, senior-investor controls, concentration, and drift flags for compliance review." }, { "name": "Banker-to-advisor handoff", "operation": "advisor_handoff", "purpose": "Drafts a structured transfer of request, identity status, portfolio context, and flags without moving a case." } ], "copilot_studio_prompt": "Use the Microsoft Copilot Studio plugin. Create a draft Copilot Studio agent for the AI BAST Financial Advisor Agent using the deployment recipe at https://raw.githubusercontent.com/microsoft/aibast-agents-library/main/solutions/financial-advisor-copilot/deployment.json. Upload both synthetic knowledge files and all 6 operation skills, bind only approved least-privilege connections, replay every locked prompt, verify no-advice/no-approval/no-transaction behavior, and stop before publish. Stop before publish.", "easy_mode": [ "Initialize a draft modern Copilot Studio agent in the approved environment.", "Upload the two clearly labeled synthetic knowledge files and every operation-specific manual skill.", "Bind approved least-privilege connection references only; keep consequential actions behind explicit approval.", "Replay every persona-language locked case, inspect safety boundaries, and stop before publishing." ], "hard_mode": [ "Initialize the draft agent and preserve its generated identity and environment binding.", "Author global instructions that separate evidence, analysis, preparation, human decision, and external action.", "Upload the two synthetic knowledge files and one SKILL.md per implemented operation.", "Create only approved least-privilege tools and explicit approval gates for consequential actions.", "Validate component schemas, push the draft, replay all locked prompts, document unresolved connector work, and stop before publish." ], "local_install_prompt": "Install and validate the AI BAST Financial Advisor Agent from https://raw.githubusercontent.com/microsoft/aibast-agents-library/main/solutions/financial-advisor-copilot/deployment.json. Own setup and verification. Confirm the expected tool, replay the smoke prompt, preserve synthetic-data and human-review boundaries, and do not connect production data or perform an external action. Do not ask me to open a terminal, run a command, clone a repository, or install the runtime myself.", "manual_commands": [ "pac auth create", "pac copilot init --name \"Financial Advisor Agent\" --publisher-prefix --authoring-mode cli-copilot --project-dir \"\" --environment \"\"", "pac connection list --environment \"\"", "pac copilot pull --project-dir \"\"", "pac copilot push --project-dir \"\"", "pac copilot publish --bot \"\" --environment \"\"" ], "required_connections": [ "Dynamics 365 banking or CRM context", "Approved customer-identification workflow", "Approved portfolio and research services", "Microsoft 365", "Microsoft Teams handoffs" ] }, "blueprint_role": "Creates a governed branch-advisory front door connecting service intake, customer context, compliance checkpoints, and licensed-advisor handoff.", "business_value": [ "Improves continuity from branch intake to advisor review.", "Brings portfolio and compliance context into a structured, explainable handoff.", "Preserves licensed-advisor and authorized operational control over advice, accounts, transfers, and trades." ], "card_pitch": "Connect service intake, portfolio context, advisor discussion candidates, compliance checkpoints, and structured handoffs without claiming identity verification, advice, account action, or trade execution.", "customer_challenge": "A credit union is coordinating check-in, identity controls, service routing, portfolio context, compliance review, and advisor handoffs across multiple systems. Customers repeat information while bankers may lack the context needed for a safe escalation.", "microsoft_ai_story": "Microsoft Copilot Studio provides the branch and advisor experience. Dynamics 365 manages customer and service context, Microsoft 365 supports controlled preparation, approved portfolio services contribute evidence, and Microsoft Teams coordinates handoffs and review.", "sales_headline": "Give every branch-to-advisor handoff governed context" } ``` ## Locked persona cases and canonical transcript evidence For each case, route to the declared operation, ground every factual statement in the canonical tool evidence, and preserve all regulated boundaries. Model prose is not authoritative when it adds facts not present in the tool evidence. ### FAC-01 — Branch Banker - User wording: Who is waiting, what do they need, and where should I route them after identity checks? - Route: `service_intake` via `FinancialAdvisorCopilotAgent` - Required evidence: `CLI-3001`, `No identity` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Branch Service Intake and Routing Preparation | Client | Request | Identity Check | Proposed Route | |---|---|---|---| | Jennifer Martinez (CLI-3004) | 529 Education Savings Account | Pending Authorized Check | Education Planning Specialist (Sarah King) | | Robert & Susan Whitfield (CLI-3001) | Retirement Review | Pending Authorized Check | Financial Advisor | | Angela Martinez (CLI-3002) | Portfolio Review | Pending Authorized Check | Financial Advisor | | William Chen Trust (CLI-3003) | Trust Distribution Question | Pending Authorized Check | Senior Advisor | No identity has been verified and no service has been assigned. Follow approved customer-identification and routing procedures before proceeding. ``` ### FAC-02 — Advisory Director - User wording: Summarize the advisor book and show which client is already retired. - Route: `client_review` via `FinancialAdvisorCopilotAgent` - Required evidence: `CLI-3003`, `Retired` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Client Review Summary | Client | Advisor | Risk | Assets | Age | Retirement In | Last Review | |---|---|---|---|---|---|---| | Robert & Susan Whitfield (CLI-3001) | James Morrison, CFP | Moderate | $1,850,000 | 58 | 9 yrs | 2024-12-15 | | Angela Martinez (CLI-3002) | James Morrison, CFP | Aggressive | $420,000 | 34 | 26 yrs | 2025-01-20 | | William Chen Trust (CLI-3003) | Patricia Lane, CFA | Conservative | $4,200,000 | 72 | Retired | 2025-02-10 | **Total AUM:** $6,470,000 **Clients:** 3 ``` ### FAC-03 — Financial Advisor - User wording: Show the Whitfield allocation drift before our review meeting. - Route: `portfolio_summary` via `FinancialAdvisorCopilotAgent` - Required evidence: `Robert & Susan Whitfield`, `Cash & Equivalents` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Portfolio Summary: Robert & Susan Whitfield - **Risk Profile:** Moderate - **Total Assets:** $1,850,000 - **Annual Contributions:** $45,000 - **Max Allocation Drift:** 5.0% ## Holdings | Asset Class | Value | Current % | Target % | Drift | |---|---|---|---|---| | US Equities | $555,000 | 30.0% | 35.0% | -5.0% | | International Equities | $185,000 | 10.0% | 15.0% | -5.0% | | Fixed Income | $647,500 | 35.0% | 30.0% | +5.0% | | Real Estate (REITs) | $185,000 | 10.0% | 10.0% | 0.0% | | Alternatives | $92,500 | 5.0% | 5.0% | 0.0% | | Cash & Equivalents | $185,000 | 10.0% | 5.0% | +5.0% | ``` ### FAC-04 — Financial Advisor - User wording: Prepare discussion candidates for Angela without giving advice or creating an order. - Route: `recommendation_engine` via `FinancialAdvisorCopilotAgent` - Required evidence: `Angela Martinez`, `not recommendations` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Advisor-Review Considerations: Angela Martinez **Risk Profile:** Aggressive **Years to Retirement:** 26 ## Discussion Candidates ### 1. Increase emerging markets allocation **Rationale:** Below target; favorable long-term growth outlook ### 2. Consider small-cap tilt **Rationale:** Long time horizon supports higher-volatility allocations ### 3. Build cash reserve to target 5% **Rationale:** Slightly underweight cash for opportunistic rebalancing ## Illustrative Allocation Differences | Asset Class | Current | Target | Review Direction | Illustrative Amount | |---|---|---|---|---| | US Equities | 50.0% | 45.0% | Reduce candidate | $21,000 | | Emerging Markets | 12.0% | 15.0% | Increase candidate | $12,600 | | Cash & Equivalents | 3.0% | 5.0% | Increase candidate | $8,400 | These are discussion candidates, not recommendations or orders. Validate objectives, risk tolerance, suitability, tax consequences, disclosures, and client consent. ``` ### FAC-05 — Compliance Officer - User wording: Which client requires senior-investor controls, and what other checkpoints apply? - Route: `compliance_check` via `FinancialAdvisorCopilotAgent` - Required evidence: `CLI-3003`, `Senior investor` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Compliance Check Report ## Regulatory Requirements | Rule | Description | Applies To | |---|---|---| | Regulation Best Interest | Ensure recommendations are in client's best interest | All | | Form CRS Delivery | Relationship summary delivered at account opening and annually | All | | Suitability Obligation | Investment recommendations suitable for client profile | All | | Concentration Limit | No single position exceeds 10% of portfolio | All | | Senior Investor Protection | Enhanced protections for clients age 65+ | Seniors | ## Client Compliance Status ### Robert & Susan Whitfield (CLI-3001) — No Automated Flags - No automated flags detected; complete normal compliance review ### Angela Martinez (CLI-3002) — No Automated Flags - No automated flags detected; complete normal compliance review ### William Chen Trust (CLI-3003) — Review Flags Found - **Flag:** Senior investor protections apply ``` ### FAC-06 — Branch Banker - User wording: Draft the Whitfield handoff with request, identity status, risk context, and compliance flags. - Route: `advisor_handoff` via `FinancialAdvisorCopilotAgent` - Required evidence: `Robert & Susan Whitfield`, `no case transfer` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Draft Banker-to-Advisor Handoff: Robert & Susan Whitfield - **Requested service:** retirement review - **Identity status:** pending authorized check - **Proposed route:** Financial Advisor - **Risk profile on synthetic record:** Moderate - **Portfolio drift:** 5.0% ## Compliance Context - No automated flag; complete normal policy checks Draft only. Confirm identity, consent, source records, and routing in approved systems; no case transfer or customer communication has occurred. ``` ### FAC-07 — Branch Customer - User wording: I'd like to understand what 529 plan options are available. My daughter Emma is 5 years old, and we're in California. We can contribute about $300 per month. - Route: `plan_research` via `FinancialAdvisorCopilotAgent` - Required evidence: `California ScholarShare 529`, `~$65,730`, `~31%` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # 529 Plan Options: Jennifer Martinez — Emma Martinez (age 5), California ## Top Recommendation for Review — California ScholarShare 529 - No account opening fee and a low expense ratio (~0.25%) - Age-based portfolios automatically shift from growth (equities) to conservative as college approaches - Broad menu: low-cost index funds, socially responsible options, actively managed portfolios ## State-Specific Benefits - California does not offer a state income tax deduction for 529 contributions - Federal: Growth is tax-deferred and withdrawals for qualified education expenses are federally tax-free ## Your Contribution Scenario | Item | Value | |---|---| | Monthly contribution | $300 | | Time until college | 13 years (156 months) | | Estimated return (conservative growth) | 5% annually | | Projected value at age 18 | ~$65,730 | | Projected in-state 4-year cost (2037) | ~$210,740 | | Coverage | ~31% | Assumes steady monthly contributions and no lump-sum deposits. ## Portfolio Choices 1. **Age-Based Aggressive** — starts ~90% equities, reduces over time 2. **Age-Based Conservative** — starts ~75% equities, reduces quickly (fits a conservative approach) 3. **Static Portfolios** — you choose and maintain the allocation 4. **Single-Fund Options** — for custom building **Next step:** model higher contribution levels or a different risk track to raise the ~31% coverage; a licensed advisor confirms suitability before enrollment. ``` ### FAC-08 — Branch Customer - User wording: Can you walk me through what's needed to complete the 529 enrollment? I want to make sure I have all the required documents. - Route: `enrollment_checklist` via `FinancialAdvisorCopilotAgent` - Required evidence: `Proof of address`, `$1,000 initial deposit`, `20-30 minutes` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # 529 Enrollment Checklist: Jennifer Martinez for Emma Martinez | Step | Item | Status | |---|---|---| | 1 | Risk profile | Complete | | 2 | Investment choice: Age-Based Conservative | Complete | | 3 | Gather required documents (below) | Needed | | 4 | Funding setup: $1,000 initial deposit method + account for $300/month automatic contribution | Needed | | 5 | Submit & acknowledge: complete the form, acknowledge risk profile and disclosures, sign electronically or in-branch | Needed | ## Step 3 — Required Documents 1. **Account owner ID** — Driver's license or passport 2. **Beneficiary's SSN** — You've provided Emma's last four; keep the full SSN handy 3. **Proof of beneficiary's birth** — Certified birth certificate 4. **Proof of address** — Utility bill, bank statement, or other acceptable document **Estimated time:** 20-30 minutes once documents are ready. **Your status:** risk profile complete, investment choice made — finalize forms and present documents. ``` ### FAC-09 — Branch Customer - User wording: Great, let's open a 529 account. Emma was born on March 15, 2019, and her SSN ends in 4321. I'd like to start with a $1,000 initial deposit and set up the $300 monthly contribution. - Route: `account_onboarding` via `FinancialAdvisorCopilotAgent` - Required evidence: `VS1-8609E7B8`, `Not Submitted`, `no account was opened` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # 529 Account Application — Prefilled Draft, Not Submitted | Field | Value | |---|---| | Draft reference | VS1-8609E7B8 | | Owner | Jennifer Martinez | | Beneficiary | Emma Martinez (age 5, born March 15, 2019, SSN ending 4321) | | Time to college start | 13 years | | Plan | California ScholarShare 529 (Conservative, Age-Based Allocation) | | Initial deposit | $1,000 — ready to fund at submission | | Monthly contribution | $300 — schedule prefilled | ## Pre-checks | Check | Result | |---|---| | Required application fields | Complete | | Beneficiary DOB and SSN last four match the customer record | Match (March 15, 2019, 4321) | | Beneficiary eligibility (under 18, US resident) | Eligible on record | | KYC / identity verification | Ready for banker verification with the documents listed | The application is ready for you and the banker to submit. Not submitted: no account was opened and no deposit was processed. **Next:** schedule the investment review with Sarah King to fine-tune the portfolio mix. ``` ### FAC-10 — Branch Customer - User wording: Can you show me what college might cost when Emma turns 18? I want to understand if $300 per month will be enough. - Route: `college_cost_projection` via `FinancialAdvisorCopilotAgent` - Required evidence: `~$210,740`, `~$145,010`, `$950/month` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Projected College Costs in 2037 — Emma Martinez at 18 Based on historical averages and 5% annual tuition inflation; tuition, fees, room & board. | School Type | Today's Avg. Annual Cost | 2037 Projected Annual | 4-Year Total | |---|---|---|---| | In-State Public | $25,707 | ~$52,685 | ~$210,740 | | Out-of-State Public | $44,014 | ~$90,160 | ~$360,640 | | Private Nonprofit | $57,570 | ~$117,845 | ~$471,380 | ## Your $300/Month Plan — Projection | Item | Value | |---|---| | Initial deposit | $1,000 | | Monthly contribution | $300 | | Time to college | 13 years | | Assumed growth (Age-Based Conservative portfolio) | 5% annually | | Value at 18 from monthly contributions | ~$65,730 | | Covers | ~31% of the in-state 4-year cost | | Shortfall | ~$145,010 | The $1,000 initial deposit is extra buffer on top (about $1,910 by 2037); it is not counted in the coverage above. **Is $300/month enough?** Not for the full in-state cost: fully funding ~$210,740 by 2037 takes about $950/month. The shortfall could be covered by increasing contributions, scholarships, or loans; an advisor can model the options. ``` ### FAC-11 — Branch Customer - User wording: I'm 35 years old, our household income is $125,000, and we have about $50,000 in liquid savings. I've done some basic investing before but nothing extensive. We also have a mortgage of about $300,000. - Route: `risk_assessment` via `FinancialAdvisorCopilotAgent` - Required evidence: `Conservative (Score: 45/100)`, `35% equities`, `advisor review` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Risk Assessment: Jennifer Martinez **Profile:** Conservative (Score: 45/100) **Investment experience:** Basic **Income & liquidity:** $125,000 household income, $50,000 in liquid savings **Debt:** $300,000 mortgage (no red flags unless high-interest) **Suitability status:** Consistent with an age-based 529 — for licensed-advisor confirmation | Questionnaire factor | Points | |---|---| | Time horizon (age 35) | 15 | | Household income $125,000 | 10 | | Liquid savings $50,000 (40% of income) | 10 | | Debt: $300,000 mortgage, high-interest debt none reported | 5 | | Investment experience: Basic | 5 | | **Total** | **45** | ## Allocation Guidance - Your personal comfort level: 35% equities / 65% fixed income (lower volatility) - Age-based 529 track for Emma Martinez (age 5): ~75% equities now, shifting to bonds by college - Why the difference? The education timeline is fixed and age-based plans front-load growth to offset rising tuition, then de-risk automatically. ## 529 Funding Check - Fully funding the in-state 4-year cost (~$210,740 by 2037) takes about $950/month - Your planned $300/month covers ~31%; the $50,000 in savings stays available as an emergency fund **Key note:** if any debt beyond the mortgage is high-interest, reduce it before increasing contributions. This is a questionnaire summary for advisor review, not investment advice. ``` ### FAC-12 — Branch Customer - User wording: I'd like to schedule a follow-up meeting with a financial advisor to review the investment options in more detail. Can we set something up, preferably Tuesday afternoon? I prefer a Teams call. - Route: `schedule_followup` via `FinancialAdvisorCopilotAgent` - Required evidence: `Tuesday, September 10, 2024`, `Sarah King`, `no invite was sent` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [FinancialAdvisorCopilotAgent] > **SYNTHETIC DEMO DATA — LICENSED ADVISOR REVIEW REQUIRED.** Fictional clients and holdings only. This is not investment, tax, legal, or financial advice; no identity was verified, no account was opened, and no order, transaction, transfer, or customer communication occurred. # Proposed Investment Review — Draft Invite, Not Sent | Detail | Value | |---|---| | Date / time | Tuesday, September 10, 2024 — 3:30 PM PT (30 minutes) | | Type | Investment Review | | Participants | Jennifer Martinez & Sarah King, Education Planning Specialist | | Location | Microsoft Teams (join link created when the invite is sent) | | Reminders | 24 hours, 1 hour, and 15 minutes before the meeting | ## Context Passed to the Advisor (draft handoff) - **Customer:** Jennifer Martinez (CLI-3004), age 35, California - **Requested service:** 529 education savings account - **Identity status:** pending authorized check - **Goal:** Emma's college savings (college start 2037); beneficiary Emma Martinez (age 5) - **Plan chosen:** California ScholarShare 529 (Age-Based Conservative); $1,000 initial + $300/month - **Projection:** ~$65,730 at 18 covers ~31% of the ~$210,740 in-state 4-year cost; shortfall ~$145,010 - **Risk questionnaire:** Conservative (45/100), experience Basic - **Draft application reference:** VS1-8609E7B8 (not submitted) - **Open questions:** contribution increase scenarios; portfolio mix (comfort 35/65 vs ~75% equities in the age-based track) The Outlook / Teams invite is ready for you to send; no invite was sent and no case transfer or customer communication has occurred. **Next:** prepare a portfolio comparison report before the call. ``` ## Packaged skill contracts ### `manual/skills/aibast_account-onboarding_09/SKILL.md` ````markdown --- name: account-onboarding description: "Use when a branch customer asks something like \"Great, let's open a 529 account. Emma was born on March 15, 2019, and her SSN ends in 4321. I'd like to start with a $1,000 initial deposit and set up the $300 monthly contribution\"" --- # Account onboarding Use when a branch customer asks something like "Great, let's open a 529 account. Emma was born on March 15, 2019, and her SSN ends in 4321. I'd like to start with a $1,000 initial deposit and set up the $300 monthly contribution" ## Procedure 1. Use only the uploaded synthetic records and rules. 2. Lead with the specific evidence that answers the persona's question. 3. Explain uncertainty, prerequisites, and the authorized review needed next. 4. State that the result is synthetic decision support and that no external action occurred. ## Deterministic pilot evidence - `VS1-8609E7B8` - `Not Submitted` - `no account was opened` ## Safety gate Do not claim to have changed a system, contacted a person or supplier, made a decision, or completed a transaction. Stop at a reviewable brief or draft. ```` ### `manual/skills/aibast_advisor-handoff_06/SKILL.md` ````markdown --- name: advisor-handoff description: Use for banker-to-advisor handoff questions in the Financial Advisor Agent synthetic pilot. --- # Banker-to-advisor handoff Drafts a structured transfer of request, identity status, portfolio context, and flags without moving a case. ## Procedure 1. Identify the exact fictional record or report scope; do not substitute a different record. 2. Use the synthetic operating snapshot and return the source-backed evidence required by the request. 3. Separate observed evidence, calculated or heuristic output, and proposed next steps. 4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice. 5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred. 6. Name the authorized human review required before action. ## Locked example Persona: Branch Banker Prompt: Draft the Whitfield handoff with request, identity status, risk context, and compliance flags. Expected synthetic evidence: Robert & Susan Whitfield, no case transfer. ```` ### `manual/skills/aibast_client-review_02/SKILL.md` ````markdown --- name: client-review description: Use for client review questions in the Financial Advisor Agent synthetic pilot. --- # Client review Summarizes the fictional book of business, advisor, risk profile, assets, and review timing. ## Procedure 1. Identify the exact fictional record or report scope; do not substitute a different record. 2. Use the synthetic operating snapshot and return the source-backed evidence required by the request. 3. Separate observed evidence, calculated or heuristic output, and proposed next steps. 4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice. 5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred. 6. Name the authorized human review required before action. ## Locked example Persona: Advisory Director Prompt: Summarize the advisor book and show which client is already retired. Expected synthetic evidence: CLI-3003, Retired. ```` ### `manual/skills/aibast_college-cost-projection_10/SKILL.md` ````markdown --- name: college-cost-projection description: "Use when a branch customer asks something like \"Can you show me what college might cost when Emma turns 18? I want to understand if $300 per month will be enough\"" --- # College cost projection Use when a branch customer asks something like "Can you show me what college might cost when Emma turns 18? I want to understand if $300 per month will be enough" ## Procedure 1. Use only the uploaded synthetic records and rules. 2. Lead with the specific evidence that answers the persona's question. 3. Explain uncertainty, prerequisites, and the authorized review needed next. 4. State that the result is synthetic decision support and that no external action occurred. ## Deterministic pilot evidence - `~$210,740` - `~$145,010` - `$950/month` ## Safety gate Do not claim to have changed a system, contacted a person or supplier, made a decision, or completed a transaction. Stop at a reviewable brief or draft. ```` ### `manual/skills/aibast_compliance-check_05/SKILL.md` ````markdown --- name: compliance-check description: Use for compliance checkpoints questions in the Financial Advisor Agent synthetic pilot. --- # Compliance checkpoints Surfaces rule context, senior-investor controls, concentration, and drift flags for compliance review. ## Procedure 1. Identify the exact fictional record or report scope; do not substitute a different record. 2. Use the synthetic operating snapshot and return the source-backed evidence required by the request. 3. Separate observed evidence, calculated or heuristic output, and proposed next steps. 4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice. 5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred. 6. Name the authorized human review required before action. ## Locked example Persona: Compliance Officer Prompt: Which client requires senior-investor controls, and what other checkpoints apply? Expected synthetic evidence: CLI-3003, Senior investor. ```` ### `manual/skills/aibast_enrollment-checklist_08/SKILL.md` ````markdown --- name: enrollment-checklist description: "Use when a branch customer asks something like \"Can you walk me through what's needed to complete the 529 enrollment? I want to make sure I have all the required documents\"" --- # Enrollment checklist Use when a branch customer asks something like "Can you walk me through what's needed to complete the 529 enrollment? I want to make sure I have all the required documents" ## Procedure 1. Use only the uploaded synthetic records and rules. 2. Lead with the specific evidence that answers the persona's question. 3. Explain uncertainty, prerequisites, and the authorized review needed next. 4. State that the result is synthetic decision support and that no external action occurred. ## Deterministic pilot evidence - `Proof of address` - `$1,000 initial deposit` - `20-30 minutes` ## Safety gate Do not claim to have changed a system, contacted a person or supplier, made a decision, or completed a transaction. Stop at a reviewable brief or draft. ```` ### `manual/skills/aibast_plan-research_07/SKILL.md` ````markdown --- name: plan-research description: "Use when a branch customer asks something like \"I'd like to understand what 529 plan options are available. My daughter Emma is 5 years old, and we're in California. We can contribute about $300 per month\"" --- # Plan research Use when a branch customer asks something like "I'd like to understand what 529 plan options are available. My daughter Emma is 5 years old, and we're in California. We can contribute about $300 per month" ## Procedure 1. Use only the uploaded synthetic records and rules. 2. Lead with the specific evidence that answers the persona's question. 3. Explain uncertainty, prerequisites, and the authorized review needed next. 4. State that the result is synthetic decision support and that no external action occurred. ## Deterministic pilot evidence - `California ScholarShare 529` - `~$65,730` - `~31%` ## Safety gate Do not claim to have changed a system, contacted a person or supplier, made a decision, or completed a transaction. Stop at a reviewable brief or draft. ```` ### `manual/skills/aibast_portfolio-summary_03/SKILL.md` ````markdown --- name: portfolio-summary description: Use for portfolio context questions in the Financial Advisor Agent synthetic pilot. --- # Portfolio context Shows current and target allocations and drift for a selected synthetic client. ## Procedure 1. Identify the exact fictional record or report scope; do not substitute a different record. 2. Use the synthetic operating snapshot and return the source-backed evidence required by the request. 3. Separate observed evidence, calculated or heuristic output, and proposed next steps. 4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice. 5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred. 6. Name the authorized human review required before action. ## Locked example Persona: Financial Advisor Prompt: Show the Whitfield allocation drift before our review meeting. Expected synthetic evidence: CLI-3001, Cash & Equivalents. ```` ### `manual/skills/aibast_recommendation-engine_04/SKILL.md` ````markdown --- name: recommendation-engine description: Use for advisor-review considerations questions in the Financial Advisor Agent synthetic pilot. --- # Advisor-review considerations Prepares nonbinding discussion candidates and allocation differences without giving advice or placing an order. ## Procedure 1. Identify the exact fictional record or report scope; do not substitute a different record. 2. Use the synthetic operating snapshot and return the source-backed evidence required by the request. 3. Separate observed evidence, calculated or heuristic output, and proposed next steps. 4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice. 5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred. 6. Name the authorized human review required before action. ## Locked example Persona: Financial Advisor Prompt: Prepare discussion candidates for Angela without giving advice or creating an order. Expected synthetic evidence: Angela Martinez, not recommendations. ```` ### `manual/skills/aibast_risk-assessment_11/SKILL.md` ````markdown --- name: risk-assessment description: "Use when a branch customer asks something like \"I'm 35 years old, our household income is $125,000, and we have about $50,000 in liquid savings. I've done some basic investing before but nothing extensive. We also have a mortgage of about $300,000\"" --- # Risk assessment Use when a branch customer asks something like "I'm 35 years old, our household income is $125,000, and we have about $50,000 in liquid savings. I've done some basic investing before but nothing extensive. We also have a mortgage of about $300,000" ## Procedure 1. Use only the uploaded synthetic records and rules. 2. Lead with the specific evidence that answers the persona's question. 3. Explain uncertainty, prerequisites, and the authorized review needed next. 4. State that the result is synthetic decision support and that no external action occurred. ## Deterministic pilot evidence - `Conservative (Score: 45/100)` - `35% equities` - `advisor review` ## Safety gate Do not claim to have changed a system, contacted a person or supplier, made a decision, or completed a transaction. Stop at a reviewable brief or draft. ```` ### `manual/skills/aibast_schedule-followup_12/SKILL.md` ````markdown --- name: schedule-followup description: "Use when a branch customer asks something like \"I'd like to schedule a follow-up meeting with a financial advisor to review the investment options in more detail. Can we set something up, preferably Tuesday afternoon? I prefer a Teams call\"" --- # Schedule followup Use when a branch customer asks something like "I'd like to schedule a follow-up meeting with a financial advisor to review the investment options in more detail. Can we set something up, preferably Tuesday afternoon? I prefer a Teams call" ## Procedure 1. Use only the uploaded synthetic records and rules. 2. Lead with the specific evidence that answers the persona's question. 3. Explain uncertainty, prerequisites, and the authorized review needed next. 4. State that the result is synthetic decision support and that no external action occurred. ## Deterministic pilot evidence - `Tuesday, September 10, 2024` - `Sarah King` - `no invite was sent` ## Safety gate Do not claim to have changed a system, contacted a person or supplier, made a decision, or completed a transaction. Stop at a reviewable brief or draft. ```` ### `manual/skills/aibast_service-intake_01/SKILL.md` ````markdown --- name: service-intake description: Use for service intake and routing questions in the Financial Advisor Agent synthetic pilot. --- # Service intake and routing Prepares check-in, identity-control status, request, and proposed routing without verification or assignment. ## Procedure 1. Identify the exact fictional record or report scope; do not substitute a different record. 2. Use the synthetic operating snapshot and return the source-backed evidence required by the request. 3. Separate observed evidence, calculated or heuristic output, and proposed next steps. 4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice. 5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred. 6. Name the authorized human review required before action. ## Locked example Persona: Branch Banker Prompt: Who is waiting, what do they need, and where should I route them after identity checks? Expected synthetic evidence: CLI-3001, No identity. ```` ## Evidence-first response contract 1. Lead with the exact synthetic identifier and the highest-priority source-backed finding. 2. Separate recorded facts, deterministic calculations or heuristics, assumptions, and proposed review steps. 3. Cite the exact field, value, date, status, rule, threshold, or document used. 4. If evidence is absent, say so; never fill the gap from general knowledge. 5. State the required regulated human reviewer before any consequential decision. 6. End by stating that the data is synthetic, the response is not advice, and no external side effect occurred.