AI for insights and analytics
A book that grew eight percent was a net outflow once markets and fees were taken out, with two transfers already under way. AI analytics reads the asset, flow and CRM files, separates market movement from client decisions, and answers the office head: which clients are leaving, and who has not been spoken to.
These are the questions wealth firms ask. Each one maps to a measure our tools compute from your files. The AI model chooses the measure and explains the result; the arithmetic is done by our code, and every total is checked.
| The question | The measure behind it | What comes back |
|---|---|---|
| Did the book grow, or did the market? | Net new assets | Asset change split into market movement, fees and net client flows, by adviser, summing to the change. |
| Which clients are moving money out? | Outflow watch | Clients with net outflows against their own pattern, by value, with the last conversation logged. |
| How much do our clients hold elsewhere? | Held-away assets | Disclosed held-away assets by client from the review notes, against assets with us. |
| Which valuable clients have not been contacted? | Contact recency by value | Days since last contact by client value band, with the untouched top band listed. |
| How dependent is the firm on a few advisers? | Adviser concentration | Share of assets and fees by adviser, with the effective number of advisers. |
| Where are we not covering the next generation? | Next-generation coverage | Households where no contact exists with the next generation, by household value. |
Every figure below was computed by a tool from the rows and checked before it was shown. The lines sum; the percentages match; each line opens to the rows that make it.
Did the book really grow last year?
Reported growth was 16 million; net client flows were minus $16.0m once market movement and fees are taken out, across 3 offices. City office accounts for $9.0m of the net outflow, 56% of it.
| City office | $9.0m | 56% of the total |
| Harbour office | $5.0m | 31% of the total |
| Hillside office | $2.0m | 12% of the total |
| The 3 lines sum to | $16.0m | 0 unexplained |
Which City clients withdrew?
3 clients account for $8.5m of the $9.0m net outflow at the City office, 94% of it. Each last had a logged conversation more than seven months ago, and two disclosed larger holdings elsewhere at their last review.
| The Whitmore household | $4.2m | transfer under way; last contact 8 months ago |
| The Okafor trust | $2.9m | held-away 6m disclosed; last contact 9 months ago |
| The Lindqvist household | $1.4m | outflow over 3 months; last contact 7 months ago |
| These 3 are | $8.5m | 94% of City office |
What should the advisers do this month?
Speak to all three before the transfers complete, with the held-away figures from their own reviews in hand. The office head keeps the outflow watch on the weekly agenda until the flows turn.
| City advisers | Meet the Whitmore, Okafor and Lindqvist relationships | This month |
| Office head | Review the outflow watch and contact recency weekly | Weekly |
| Chief executive | Put net new assets by office in the monthly pack | Monthly |
Each measure has one formula, one source and one meaning. They are computed per adviser and office and in total, and every one carries an identity that must hold before it is shown.
| Measure | Formula | From | What it tells you |
|---|---|---|---|
| Net new assets | Inflows − outflows, excluding market movement and fees, per client and adviser | Cash movement file; asset file | Whether the business is growing without the market |
| Held-away assets | Assets disclosed or estimated elsewhere ÷ total client wealth, by source and date | Fact-find and review records; client master | The consolidation opportunity, client by client |
| Contact recency by value | Revenue of clients with a two-way contact within tier cadence ÷ revenue | CRM; fee ledger | Valuable clients who have heard nothing |
| Outflow watch | Clients whose withdrawals in the last 3 months exceed their own pattern, excluding planned income | Cash movement file | Transfers beginning |
| Adviser concentration | Assets and revenue per adviser ÷ firm; share of those clients with one contact only | Asset file; CRM | What leaves if one adviser does |
| Fee margin per client | Fees − cost of the service model delivered, per client | Fee ledger; service model costs; activity | Clients on a service tier they do not pay for |
| Referral source value | Clients, assets and retention by referral source, per adviser | Client master; asset file | Where good clients come from |
| Next-generation coverage | Clients over a stated age with heirs known and met ÷ such clients, by assets | Client master; CRM | Assets that will leave at inheritance |
| Review completion | Reviews completed within the period due ÷ reviews due, by value | CRM; review schedule | Service promised and not delivered; regulatory exposure |
| Household consolidation | Households with all members and accounts linked ÷ households | Client master | Whether any per-client measure is right |
Each measure is worked through, with the export it comes from and what to drop, in Client KPIs for wealth managers.
From your question and the measures declared for wealth managers, the model picks the one that answers it, and the period and comparison the question implies.
Deterministic code reads the rows, computes the measure, and checks the identities below. The same question on the same data gives the same answer, every time.
The AI model writes the sentence around the result, naming the adviser or account behind it. It states no figure that is not in the result, and every figure links to its rows.
| Assets | Opening assets + inflows − outflows + market movement − fees = closing assets |
| Households | Accounts = linked to a household + unlinked |
| Concentration | Adviser assets sum to the firm total; each client has one lead adviser |
| Reviews | Due = completed on time + completed late + overdue |
The exports wealth firms already produce. Column names are mapped once and the mapping is reused. A file is the way in; scheduled delivery and connections to your systems come with the plan, and every source is listed here.
An answer is a list with an owner and a cadence, or it is a chart nobody works.
| Measures | Owner | Cadence |
|---|---|---|
| Outflow watch; contact recency; review completion | Advisers; office heads | Weekly to monthly |
| Net new assets; referral source value | Office heads; chief executive | Monthly |
| Held-away assets; next-generation coverage | Advisers; head of advice | Quarterly |
| Adviser concentration; fee margin; household consolidation | Chief executive; operations | Quarterly |
From the files: the asset file gives the change, the flow file gives contributions and withdrawals, the fee file gives fees. Market movement is the remainder, shown as its own line, and the four lines sum to the change. A tool does the arithmetic; the adviser sees the split.
From your review notes or fact-find file, where clients disclose what they hold elsewhere. The tool reads the figure you recorded; it does not guess. Where nothing was recorded the field is blank and the page says so, which is itself a finding about the review.
Household names can be replaced with identifiers before upload on Enterprise, and every file is read where you choose to run it. The model never receives the rows; it receives a formatted result to describe, which is why the answer can be trusted and the data stays yours.
Assets by client and month, flows by client, fees by client, and the CRM contact log. Review notes with held-away figures add the second question. Every file is one the platform or the CRM already exports.
Held-away assets · Contact recency · Adviser concentration · Bridge · Concentration · Referral share
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Bring a few thousand rows. The data map opens next, every column mapped once, and the first question is answered in minutes. Free, in your browser, no account.