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AI agent for financial advisors

Client Life Event Response Agent

Turn a life event into a reviewed set of plan changes and options quickly.

PlanningDecisionsFinance
See how it worksGet access
Client Life Event Response Agent: what goes in, what the agent does and what you get

What it does

A life event, such as a marriage, an inheritance or a job loss, touches insurance, taxes, savings, estate papers and goals at once, and advisors work through it from memory. This agent takes the event and lists the plan areas it affects. It gathers the missing data from the client file, asks for what is not there, reruns the projections with the new facts, and compares a few options, such as paying down debt versus investing. It checks each option against the client's risk limits and liquidity needs and drops any that break them. It then drafts a summary of what changed and what to do first. The advisor approves any advice given to the client.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedNo 1 STARTS WHEN Advisor logs a life event 2 DOES List the plan areas the event touches 3 USES A TOOL Read the client file and find missing data 4 DOES Draft a short data request for missing facts 5 USES A TOOL Rerun projections with the new facts 6 DOES Build two or three options and compare results 7 CHECKS THE RESULT Does each option stay within the client's risk andliquidity limits? If not: adjust the option or drop it and build another.Back to step 6. 8 DOES Rank options and note the trade-offs 9 DOES Draft a summary with first steps and a time order 10 YOU APPROVE Advisor approves any advice shared with the client 11 RESULT Life event plan update and option summary
Read the steps as a list
  1. Advisor logs a life event
  2. List the plan areas the event touches
  3. Read the client file and find missing data
  4. Draft a short data request for missing facts
  5. Rerun projections with the new facts
  6. Build two or three options and compare results
  7. Does each option stay within the client's risk and liquidity limits?If not: adjust the option or drop it and build another. Back to step 6.
  8. Rank options and note the trade-offs
  9. Draft a summary with first steps and a time order
  10. Advisor approves any advice shared with the clientThe agent waits here for your OK.
  11. Life event plan update and option summary

How it decides

It keeps an option only if it meets the client's stated risk limits and liquidity needs in the projections.

  • Require an emergency reserve of at least 6 months of expenses
  • Drop options that push projected success below 80 percent
  • Review insurance and beneficiaries for every event
  • Order first steps by deadline and cost of delay

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Reserve months (default 6)
  • Minimum plan success level (default 80 percent)
  • Event types and checklists
  • Summary format

What keeps you in control

It always asks you first

  • Advisor approves any advice or message to the client

Hard limits

  • Never advises the client directly
  • Does not trade or change any account

It stops when

  • Done: summary approved by the advisor
  • Stop: missing facts the client has not provided

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA client lost her job with a $38,000 severance. The agent listed health cover, income plan, retirement contributions and taxes. It built two options: draw on savings, or sell a bond fund. The first option cut the cash reserve to 3 months, so the liquidity check failed. It adjusted the draw to $1,900 per month and the reserve held at 7 months. The advisor approved the summary.

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