# Wealth Insights Generator Agent — Exact Controls, Routing, and Locked Evidence > **FIXED SYNTHETIC PILOT ONLY.** Turn fragmented wealth signals into an advisor-ready conversation. Connect managed and held-away assets, planning gaps, life events, performance context, and meeting preparation in one governed workspace that never presents synthetic data as current advice. ## 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 current-market claims; investment, tax, legal, estate, retirement, or financial advice; suitability findings; performance promises; outreach, CRM changes, live aggregation, opportunity creation, orders, or transactions. - Required reviewers: licensed wealth advisor, client, relationship manager, compliance reviewer, qualified tax or legal specialist, estate-planning specialist, and authorized trading owner. - 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 wealth-advisor, relationship-manager, advisory-director, or portfolio-strategist requests: wealth insights for my top clients and opportunities to deepen relationships, details on the Morrison Family opportunity, planning gaps, how to approach a relationship expansion, an outreach email and meeting agenda, the complete wealth insights summary, which household has the largest held-away opportunity, high-priority planning signals, a client below benchmark, the fixed market snapshot, or a meeting brief for the Kensington household. The demo hero client is the Morrison Family (WM-005); client-level operations use it when no client is named. Do not answer those workflows from general knowledge. Uses fictional records and fixed synthetic snapshots only. Never presents current market data or personal financial, tax, legal, or estate-planning advice, sends outreach, or performs a transaction. Licensed-advisor and customer review are required.", "display_name": "Wealth Insights Generator Agent", "name": "WealthInsightsGeneratorAgent", "parameters": { "properties": { "client_id": { "description": "Synthetic client mapping: Morrison Family or David Morrison is WM-005 (the default hero client and the largest held-away opportunity); Harrison Family Trust is WM-001; Dr. Anita Rao is WM-002; George and Martha Kensington or the Kensington household is WM-003; Tidewater Ventures is WM-004; Chen Family is WM-006; Thompson Family is WM-007. Omit for book-wide, market, opportunity and attribution reports.", "type": "string" }, "operation": { "description": "Choose book_insights for wealth insights for my top clients, the book, wallet share or opportunities to deepen relationships. Choose client_insights for details on one client's opportunity (e.g. the Morrison Family), unified managed and held-away wealth, or the household with the largest held-away opportunity. Choose planning_gaps for what planning gaps a client has. Choose engagement_strategy for how to approach a relationship expansion. Choose meeting_brief for an outreach email, meeting agenda, or the Kensington review brief (drafts only). Choose insights_summary for the complete wealth insights summary. Choose opportunity_alerts for high-priority planning signals ranked by impact and readiness. Choose performance_attribution for a client below benchmark or attribution labels. Choose market_brief only for the fixed market snapshot or morning huddle.", "enum": [ "market_brief", "client_insights", "opportunity_alerts", "performance_attribution", "meeting_brief", "book_insights", "planning_gaps", "engagement_strategy", "insights_summary" ], "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_wealth-insights-generator-synthetic-records.md", "manual/knowledge/aibast_wealth-insights-generator-controls-and-review.md" ], "manual_skill_count": 9, "minimum_pac_version": "2.9.3", "operations": [ "market_brief", "client_insights", "opportunity_alerts", "performance_attribution", "meeting_brief", "book_insights", "planning_gaps", "engagement_strategy", "insights_summary" ], "plugin": "mcs-assistant@copilot-studio-plugin", "publish_requires_confirmation": true, "required_connections": [ "Dynamics 365 wealth-management CRM", "Approved portfolio aggregation and held-away asset data", "Financial planning and performance systems", "Outlook", "Microsoft Teams specialist review" ], "safety_gate": "Validate synthetic labels, human review, and no-advice/no-approval/no-transaction behavior before publish." }, "expected_tool": "WealthInsightsGeneratorAgent", "smoke_test": { "must_call": "WealthInsightsGeneratorAgent", "must_include": [ "NASDAQ Composite", "Fixed Synthetic" ], "prompt": "Give me the fixed market snapshot for the morning huddle and label whether it is current data." } } ``` ### Curated catalog and architecture excerpt ```json { "architecture": { "acceptance_checks": [ "All 9 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": [ "Wealth Advisor", "Relationship Manager", "Advisory Director", "Microsoft 365 Copilot or Copilot Studio", "Wealth Insights Generator Agent", "Dynamics 365 wealth-management CRM", "Approved portfolio aggregation and held-away asset data", "Financial planning and performance systems", "Outlook", "Microsoft Teams specialist review" ], "capabilities": [ { "name": "Fixed market snapshot", "operation": "market_brief", "purpose": "Presents a clearly labeled synthetic market snapshot rather than current market data." }, { "name": "Unified wealth insights", "operation": "client_insights", "purpose": "Combines managed and held-away synthetic assets, performance, reviews, and life events." }, { "name": "Planning-gap signals", "operation": "opportunity_alerts", "purpose": "Prioritizes reviewable relationship and planning signals without giving advice or contacting a client." }, { "name": "Performance context", "operation": "performance_attribution", "purpose": "Compares synthetic portfolio performance with fixed strategy benchmarks." }, { "name": "Advisor meeting preparation", "operation": "meeting_brief", "purpose": "Drafts review material and discussion prompts for licensed-advisor validation." } ], "copilot_studio_prompt": "Use the Microsoft Copilot Studio plugin. Create a draft Copilot Studio agent for the AI BAST Wealth Insights Generator Agent using the deployment recipe at https://raw.githubusercontent.com/microsoft/aibast-agents-library/main/solutions/wealth-insights-generator/deployment.json. Upload both synthetic knowledge files and all 5 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 Wealth Insights Generator Agent from https://raw.githubusercontent.com/microsoft/aibast-agents-library/main/solutions/wealth-insights-generator/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 \"Wealth Insights Generator 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 wealth-management CRM", "Approved portfolio aggregation and held-away asset data", "Financial planning and performance systems", "Outlook", "Microsoft Teams specialist review" ] }, "blueprint_role": "Creates a governed wealth-intelligence layer connecting relationship context, aggregated assets, planning evidence, meeting preparation, and licensed-advisor review.", "business_value": [ "Improves visibility into total-wealth and planning-gap signals.", "Accelerates advisor preparation with explainable client and performance context.", "Keeps advice, outreach, suitability judgments, and transactions with licensed professionals." ], "card_pitch": "Connect managed and held-away assets, planning gaps, life events, performance context, and meeting preparation in one governed workspace that never presents synthetic data as current advice.", "customer_challenge": "A wealth firm has portfolio, relationship, held-away asset, planning, and life-event context spread across systems. Advisors spend time researching while incomplete data can lead to generic or premature guidance.", "microsoft_ai_story": "Microsoft Copilot Studio gives advisors a governed conversational layer. Dynamics 365 supplies relationship context, approved portfolio aggregation contributes managed and held-away assets, Outlook supports controlled preparation, and Microsoft Teams enables specialist review.", "sales_headline": "Turn fragmented wealth signals into an advisor-ready conversation" } ``` ## 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. ### WIG-01 — Advisory Director - User wording: Give me the fixed market snapshot for the morning huddle and label whether it is current data. - Route: `market_brief` via `WealthInsightsGeneratorAgent` - Required evidence: `NASDAQ Composite`, `Fixed Synthetic` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Fixed Synthetic Market Snapshot ## Index Performance | Index | Current | YTD Return | P/E | Yield | |---|---|---|---|---| | S&P 500 | 5,285.42 | +4.8% | 22.1 | 1.35% | | NASDAQ Composite | 16,742.15 | +6.2% | 28.5 | 0.72% | | Dow Jones Industrial | 39,180.50 | +3.1% | 19.8 | 1.82% | | MSCI EAFE | 2,385.70 | +5.5% | 15.2 | 2.95% | | Bloomberg US Agg Bond | 98.45 | +1.2% | N/A | 4.45% | | 10-Year Treasury | 4.28 | +0.0% | N/A | 4.28% | | Gold (per oz) | 2,185.30 | +8.1% | N/A | N/A | ## Key Observations - Equity markets continue positive YTD momentum; NASDAQ leading at +6.2% - International developed markets (EAFE) outperforming on weaker dollar - Fixed income subdued with 10-Year Treasury at 4.28% - Gold rally continues (+8.1% YTD) on geopolitical uncertainty **Named-client AUM in this snapshot:** $57,300,000 ``` ### WIG-02 — Wealth Advisor - User wording: Which household has the largest held-away opportunity and what life event needs validation? - Route: `client_insights` via `WealthInsightsGeneratorAgent` - Required evidence: `WM-005`, `Held Away` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Client Deep Dive: Morrison Family (WM-005) | Detail | Information | |---|---| | Total wealth | $28M | | With us | $12M (43%) | | Held away | $16M (57%) | **Held-Away Assets:** | Asset | Value | Opportunity | |---|---|---| | Company stock | $8M | Diversification | | Real estate | $6M | 1031 exchange | | Cash | $2M | Yield enhancement | **Concentration Risk:** Single stock = 29% of wealth ($8M), tech sector, $800K RSUs vesting next quarter **Conversation Trigger:** David mentioned 5-year retirement timeline, showed concern about tech layoffs Source: [CRM + Account Aggregation] Agents: ClientInsightsAgent, OpportunityIdentificationAgent **Next step:** see planning gaps? ``` ### WIG-03 — Relationship Manager - User wording: Which clients have high-priority planning signals for advisor review? - Route: `opportunity_alerts` via `WealthInsightsGeneratorAgent` - Required evidence: `Harrison Family Trust`, `Dr. Anita Rao` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Opportunity Alerts (ranked by relationship readiness, then impact) ## High Priority | Client | Signal | Est. annual impact | Readiness | Recommended action | |---|---|---|---|---| | Morrison Family | Single tech stock is 29% of family wealth with $800K RSUs vesting next quarter; 5-year retirement timeline | $48,000 | High | Personal call this week to propose a retirement readiness review | | Harrison Family Trust | 529 plan contribution deadline approaching; daughter's college enrollment next fall | $6,000 | High | Schedule meeting to review education funding plan | | Dr. Anita Rao | Practice sale in 2-3 years; begin pre-sale tax and asset protection planning | $22,000 | Medium | Engage tax advisor for sale structuring | ## Medium Priority | Client | Signal | Est. annual impact | Readiness | Recommended action | |---|---|---|---|---| | Chen Family | Business sale closing this year; proceeds likely held away | $23,000 | High | Call this week to discuss proceeds planning | | Thompson Family | Next generation joining the family office; $5.2M held away | $31,000 | Medium | Introduction meeting next week | | George & Martha Kensington | Estate plan last updated 2019; tax law changes require revision | $12,000 | Medium | Coordinate with estate attorney for plan update | | George & Martha Kensington | Client age 74; review Qualified Charitable Distribution strategy | $4,000 | Medium | Model QCD scenarios vs standard RMD | | Tidewater Ventures LLC | Portfolio underperforming benchmark; alternative allocation review needed | $9,000 | Low | Prepare alternative manager review presentation | **Total Alerts:** 8 ``` ### WIG-04 — Portfolio Strategist - User wording: Which synthetic client is below its benchmark, and what does the attribution label say? - Route: `performance_attribution` via `WealthInsightsGeneratorAgent` - Required evidence: `Tidewater Ventures`, `Underperformance` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Performance Attribution ## Strategy Benchmarks | Strategy | Benchmark | 1-Year | 3-Year | 5-Year | |---|---|---|---|---| | Balanced Growth | 60/40 Balanced | 12.5% | 8.2% | 9.1% | | Aggressive Growth | 80/20 Growth | 18.2% | 10.5% | 11.8% | | Capital Preservation | 20/80 Conservative | 5.8% | 3.9% | 4.5% | | Alternative Focused | HFRI Fund Weighted | 8.4% | 6.1% | 7.2% | ## Client Performance vs Benchmark | Client | Strategy | YTD | Benchmark | Alpha | Attribution | |---|---|---|---|---|---| | Harrison Family Trust | Balanced Growth | +5.2% | +4.1% | +1.1% | Selection + Allocation | | Dr. Anita Rao | Aggressive Growth | +7.8% | +6.2% | +1.6% | Selection + Allocation | | George & Martha Kensington | Capital Preservation | +2.1% | +1.8% | +0.3% | Allocation | | Tidewater Ventures LLC | Alternative Focused | +3.9% | +4.1% | -0.2% | Underperformance | | Morrison Family | Balanced Growth | +4.6% | +4.1% | +0.5% | Allocation | | Chen Family | Balanced Growth | +4.4% | +4.1% | +0.3% | Allocation | | Thompson Family | Capital Preservation | +2.4% | +1.8% | +0.6% | Allocation | **AUM-Weighted Alpha:** +0.53% ``` ### WIG-05 — Wealth Advisor - User wording: Prepare my review brief for the Kensington household without turning it into advice or outreach. - Route: `meeting_brief` via `WealthInsightsGeneratorAgent` - Required evidence: `George & Martha Kensington`, `preparation material` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Draft Advisor Meeting Brief: George & Martha Kensington - **Managed AUM:** $12,400,000 - **Held-away assets in synthetic snapshot:** $1,850,000 - **Risk profile:** Conservative - **Next review:** Q2 review ## Validate With the Client - Estate plan revision needed - RMD optimization ## Discussion Prompts - Estate plan last updated 2019; tax law changes require revision - Client age 74; review Qualified Charitable Distribution strategy This is preparation material, not a recommendation or customer communication. The advisor must validate facts, suitability, consent, and approved disclosures. ``` ### WIG-06 — Wealth Advisor - User wording: Generate wealth insights for my top clients and identify opportunities to deepen relationships. - Route: `book_insights` via `WealthInsightsGeneratorAgent` - Required evidence: `85 families`, `37% (target 55%)`, `$4.2M/year` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Wealth Insights: 85 UHNW Families Analyzed 85 UHNW clients - $840M in held-away assets in play across wallet share and planning gaps; $8.1M/year revenue potential. | Metric | Value | |---|---| | Total clients | 85 families | | AUM managed | $2.4B | | Held-away (est.) | $4.1B | | Wallet share | 37% (target 55%) | **Opportunities:** | Category | Clients | Revenue Potential | |---|---|---| | Wallet share growth | 34 | $4.2M/year | | Planning gaps | 28 | $1.8M/year | | Life events | 12 | $2.1M/year | **Top Opportunity:** Morrison Family - $8M outside stock concentration Source: [Portfolio + Wealth Estimates] Agents: WealthAnalyticsAgent, OpportunityIdentificationAgent **Next step:** dive into the Morrison Family? ``` ### WIG-07 — Wealth Advisor - User wording: What planning gaps does the Morrison Family have? - Route: `planning_gaps` via `WealthInsightsGeneratorAgent` - Required evidence: `Outdated (8 yrs)`, `pre-TCJA`, `+$48K annual fees` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Planning Gaps: Morrison Family (WM-005) 3 areas need attention. | Area | Status | Priority | |---|---|---| | Investment | Strong (concentration to diversify) | High | | Estate planning | Outdated (8 yrs) | High | | Tax planning | Reactive | High | **Estate Gaps:** Will from 2016 (pre-TCJA), No living trust, Beneficiaries unchecked **Tax Opportunities:** Stock diversification $240K+ (over 5 years); RSU coordination $45K (per year); Charitable giving $80K (one time) **Service Expansion:** +$48K annual fees on a $8M transfer; about $545K of 5-year tax opportunities, 10x+ the annual fee. Estimates for advisor review; validate with the client's tax and estate professionals. Source: [Planning System] Agents: PlanningGapAgent, ClientInsightsAgent **Next step:** develop the engagement strategy? ``` ### WIG-08 — Relationship Manager - User wording: How should I approach the Morrison relationship expansion? - Route: `engagement_strategy` via `WealthInsightsGeneratorAgent` - Required evidence: `Phase 1`, `Retirement readiness review`, `Legacy goals` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Engagement Strategy: Morrison Family Relationship Expansion **Phase 1: Immediate (This Week)** - Personal call (reconnect on retirement) - Share article (stock concentration risk) - Propose meeting ("Retirement readiness review") **Phase 2: Discovery Meeting (2 Weeks)** | Topic | Focus | |---|---| | Retirement vision | Timeline confirmation | | Legacy goals | Family intentions | | Company outlook | Confidence level | **Key Messages:** "5 years to do this right", "Manage taxes while reducing risk", "Estate plan needs checkup" **Touches:** Client dinner next month, Intro to estate attorney partner Source: [CRM + Engagement] Agents: RelationshipStrategyAgent **Next step:** draft the outreach? ``` ### WIG-09 — Advisory Director - User wording: Give me the complete wealth insights summary with the immediate actions. - Route: `insights_summary` via `WealthInsightsGeneratorAgent` - Required evidence: `$8.1M`, `Chen call (this week)`, `Thompson intro (next week)` - Prohibited stall or unsafe phrases: `I do not have access`, `I can approve`, `I executed`, `I submitted` #### Canonical strict-isolation tool evidence ```text [WealthInsightsGeneratorAgent] > **SYNTHETIC DEMO DATA — ADVISOR REVIEW REQUIRED.** Fictional clients, holdings, market snapshots, and planning signals only. This is not investment, tax, legal, estate-planning, or financial advice; no outreach or transaction has occurred. # Wealth Insights Summary: $8.1M Revenue Opportunity | Analysis | Result | |---|---| | Clients analyzed | 85 UHNW families | | Total AUM | $2.4B | | Wallet share | 37% -> 55% target | **Pipeline:** | Category | Revenue | |---|---| | Wallet share growth | $4.2M/year | | Planning gaps | $1.8M/year | | Life events | $2.1M/year | | **Total** | **$8.1M/year** | **Morrison:** $8M transfer, $48K/year fees, $240K+ tax savings **Immediate Actions:** Send Morrison email (today), Chen call (this week), Thompson intro (next week) Revenue figures are synthetic estimates for advisor planning; no outreach has been sent. Source: [Portfolio + CRM + Planning] Agents: WealthAnalyticsAgent, RelationshipStrategyAgent ``` ## Packaged skill contracts ### `manual/skills/aibast_book-insights_06/SKILL.md` ````markdown --- name: book-insights description: "Use when a wealth advisor asks something like \"Generate wealth insights for my top clients and identify opportunities to deepen relationships\"" --- # Book insights Use when a wealth advisor asks something like "Generate wealth insights for my top clients and identify opportunities to deepen relationships" ## 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 - `85 families` - `37% (target 55%)` - `$4.2M/year` ## 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_client-insights_02/SKILL.md` ````markdown --- name: client-insights description: Use for unified wealth insights questions in the Wealth Insights Generator Agent synthetic pilot. --- # Unified wealth insights Combines managed and held-away synthetic assets, performance, reviews, and life events. ## 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: Wealth Advisor Prompt: Which household has the largest held-away opportunity and what life event needs validation? Expected synthetic evidence: WM-003, Held Away. ```` ### `manual/skills/aibast_engagement-strategy_08/SKILL.md` ````markdown --- name: engagement-strategy description: "Use when a relationship manager asks something like \"How should I approach the Morrison relationship expansion\"" --- # Engagement strategy Use when a relationship manager asks something like "How should I approach the Morrison relationship expansion" ## 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 - `Phase 1` - `Retirement readiness review` - `Legacy goals` ## 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_insights-summary_09/SKILL.md` ````markdown --- name: insights-summary description: "Use when an advisory director asks something like \"Give me the complete wealth insights summary with the immediate actions\"" --- # Insights summary Use when an advisory director asks something like "Give me the complete wealth insights summary with the immediate actions" ## 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 - `$8.1M` - `Chen call (this week)` - `Thompson intro (next week)` ## 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_market-brief_01/SKILL.md` ````markdown --- name: market-brief description: Use for fixed market snapshot questions in the Wealth Insights Generator Agent synthetic pilot. --- # Fixed market snapshot Presents a clearly labeled synthetic market snapshot rather than current market data. ## 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: Give me the fixed market snapshot for the morning huddle and label whether it is current data. Expected synthetic evidence: NASDAQ Composite, Fixed Synthetic. ```` ### `manual/skills/aibast_meeting-brief_05/SKILL.md` ````markdown --- name: meeting-brief description: Use for advisor meeting preparation questions in the Wealth Insights Generator Agent synthetic pilot. --- # Advisor meeting preparation Drafts review material and discussion prompts for licensed-advisor validation. ## 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: Wealth Advisor Prompt: Prepare my review brief for the Kensington household without turning it into advice or outreach. Expected synthetic evidence: George & Martha Kensington, preparation material. ```` ### `manual/skills/aibast_opportunity-alerts_03/SKILL.md` ````markdown --- name: opportunity-alerts description: Use for planning-gap signals questions in the Wealth Insights Generator Agent synthetic pilot. --- # Planning-gap signals Prioritizes reviewable relationship and planning signals without giving advice or contacting a 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: Relationship Manager Prompt: Which clients have high-priority planning signals for advisor review? Expected synthetic evidence: Harrison Family Trust, Dr. Anita Rao. ```` ### `manual/skills/aibast_performance-attribution_04/SKILL.md` ````markdown --- name: performance-attribution description: Use for performance context questions in the Wealth Insights Generator Agent synthetic pilot. --- # Performance context Compares synthetic portfolio performance with fixed strategy benchmarks. ## 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: Portfolio Strategist Prompt: Which synthetic client is below its benchmark, and what does the attribution label say? Expected synthetic evidence: Tidewater Ventures, Underperformance. ```` ### `manual/skills/aibast_planning-gaps_07/SKILL.md` ````markdown --- name: planning-gaps description: "Use when a wealth advisor asks something like \"What planning gaps does the Morrison Family have\"" --- # Planning gaps Use when a wealth advisor asks something like "What planning gaps does the Morrison Family have" ## 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 - `Outdated (8 yrs)` - `pre-TCJA` - `+$48K annual fees` ## 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. ```` ## 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.