Financial Planning Agent
Builds and stress-tests goal-based financial plans.
Takes the client's goals, balance sheet and constraints and builds a full plan (retirement projections, funding gaps, Monte Carlo on the outcomes), then explains the trade-offs in plain language. Emits a stress-tested plan fed to the advisor agent and the suitability gate.
Authority
Inform or prepare
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Wealth Advisory & Financial Planning
Desk workflow
Discovery, then goal and risk profiling, then the financial plan, then suitability review, then the IPS, then implementation and periodic review. Reg BI / fiduciary duty governs every recommendation: the fiduciary-oversight agent prepares the best-interest evidence and blocks out-of-policy advice pending review, and a registered principal makes the supervisory decision.
Collaboration
Moves work through defined stages
Decision boundary
Supports the work without committing the decision.
Systems and capabilities involved
Planning + projection engine
Monte Carlo, cash-flow models
Account aggregation (held-away assets)
Tax + benefits rules library
Document generation
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Handoff to
Receives from
Context
What the role needs to do the work
- Current work
- The client's goals, balance sheet and the plan being built.
- Prior interactions
- Prior plan versions and the client's stated priorities.
- Policies and reference
- Planning assumptions, tax brackets, contribution limits, decumulation rules.
- Working method
- Plan-structuring playbooks per life stage and goal mix.
Illustrative workflow
How the work moves
Starting point
Client, 54, wants to retire at 60 with a known spending target.
- 01
Aggregate held and held-away assets into one balance sheet.
- 02
Project funding under base, stress and longevity scenarios (Monte Carlo).
- 03
Identify the funding gap and model two contribution / glidepath options.
- 04
Draft the plan with trade-offs explained in plain language.
Result
A stress-tested plan with a 78% base-case success probability and two remediation options, handed to the advisor agent and the suitability gate.
Checks and boundaries
What must be tested or reviewed
- 01Projection assumptions validated against the firm's sanctioned capital-market assumptions.
- 02Plan recommendations re-derived by the suitability-oversight agent and reviewed by a registered principal before presentation.
- 03The agent produces the plan and analysis; the advisor agent makes the recommendation, the oversight agent re-derives the fit, and a registered principal makes the supervisory decision.
Human authority
Supports the work without committing the decision.
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