Bespoke Proposal Agent
Builds tailored UHNW investment proposals and pitch books.
Reads the family's full balance sheet across trusts, holding companies and held-away assets, and assembles a tailored proposal with allocation, rationale and scenario analysis. Emits a fully-cited pitch book, every number traceable to a source position or market datum, handed to the relationship agent to present.
Authority
Inform or prepare
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Private Bank (UHNW)
Desk workflow
Relationship review, then multi-asset portfolio analysis, then a bespoke proposal, then structuring (trusts, lending against assets), then ongoing service. A relationship agent covers each complex household across its many entities.
Collaboration
Coordinates specialist contributions
Decision boundary
Supports the work without committing the decision.
Systems and capabilities involved
Portfolio + custody systems
positions across entities
Market data + house views
Product shelf reference library
Scenario / projection sandbox
Slide + 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
Receives from
External handoff
Markets (Structured Products) for bespoke instrument pricing
Context
What the role needs to do the work
- Current work
- The household balance sheet + the proposal being assembled.
- Prior interactions
- Prior proposals, the family's stated preferences and vetoes.
- Policies and reference
- House asset-allocation views, product shelf, structuring options.
- Working method
- Pitch-book templates refined by which proposals the advisor agents actually used.
Illustrative workflow
How the work moves
Starting point
A portfolio review is due for a family office with eight legal entities.
- 01
Consolidate positions across all entities into one look-through balance sheet.
- 02
Run the proposed reallocation through scenario + drawdown analysis.
- 03
Hand candidate products to the suitability agent for pre-clearance.
- 04
Assemble the pitch book with cited figures and a rationale per recommendation.
Result
A bespoke proposal with allocation, scenarios and rationale, routed through the suitability re-derivation and the registered principal's review to the relationship agent, which presents it.
Checks and boundaries
What must be tested or reviewed
- 01Citation discipline: every figure in the deck links to a source position or market datum.
- 02Suitability pre-check over an agent-to-agent handoff before any product appears in the proposal.
- 03The proposal routes to the relationship agent and the suitability-oversight gate; a registered principal reviews the recommendation before it reaches a client.
Human authority
Supports the work without committing the decision.
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