Switch active client
HMR$44.1M
Helena Marques
Business owner pre-exit
RAR$78M
Ricardo Alves
Post-exit founder
MCR$12.4M
Mariana Costa
Equity-comp exec
JPR$31M
João Pereira
Inheritor
⚲
✦ AI◆ IT● Advisor
LP
From the investment team
Real-yield window is active. NTN-B 2035 entry logic in force across the book.
Applies to 38 clients incl. Helena
1 escalation awaiting IT ruling: private secondary in Aurora.
Helena Marques · submitted Jun 5
Good afternoon, Lucas.
Saturday, June 6. Your book at a glance, what the AI surfaced overnight, and who needs you today.
Active clients
142
of a ~150 sustainable book
Touchpoints this week
11
3 high-stakes, fully human
Escalations pending
1
awaiting IT ruling
Plans to review
3
AI-drafted, your sign-off
Today's schedule
11:0045 min
Mariana Costa · quarterly review
Vesting tranche, diversification timeline
15:00Open brief →
Helena Marques · plan review
Exit structure, reserve top-up, the fund idea
16:3030 min
Prospect intro · referred by Mariana
AI pre-call brief ready
Needs attention across your book✦ AI surfaced
⚠
Helena Marques · reserve light
7 months vs a 9 to 12 month target
◆
Helena Marques · exit-structure deadline
PJ vs personal, worth an est. R$1 to 2M
▼
Ricardo Alves · drawdown threshold
Concentrated position fell 18%; covenant call due
☷
João Pereira · documents overdue
Two broker statements still missing
The AI runs the book overnight: it reconciles statements, re-prices positions, watches concentrated holdings and life signals, and surfaces who needs a human today. The advisor decides what each item means and leads every conversation.
Clients
Your whole book, ranked by who needs you. Complexity sets the cadence, not AUM. Select a client to open their Workbench.
| Client | Lens | Net worth | Complexity | Next touch | Flags |
|---|---|---|---|---|---|
| HMHelena Marques | Business owner pre-exit | R$44.1M | High | 12 Jun | ●● reserve, exit |
| RARicardo Alves | Post-exit founder | R$78.0M | High | 18 Jun | ● drawdown |
| MCMariana Costa | Equity-comp exec | R$12.4M | Medium | 9 Jun | |
| JPJoão Pereira | Inheritor | R$31.0M | Medium | 24 Jun | ● docs overdue |
| OSOtávio Souza | Real-estate-heavy | R$22.6M | Medium | 15 Jun | |
| BLBeatriz Lima | High-income professional | R$6.2M | Low | 2 Jul | |
| FDFernando Dias | Business owner pre-exit | R$53.0M | High | 20 Jun |
Showing 7 of 142. AI keeps every row current and orders the book by who needs a human; the advisor works down the list.
Workbench
The default surface. Where the profile lives, transcripts arrive, notes are taken, and the financial artifacts are reviewed and edited.
✦ drafts & maintains● advisor confirms
Profile✦ AI
1 Wealth source & trajectory
Founder, Aurora (specialty logistics), 18 yrs. Pre-exit.
AI · transcript 09:122 Time horizon
10+ years; partial exit in 12 to 18 months
AI · transcript 22:403 Income stability
Variable, distributions swing >30%/yr
Advisor edited4 Concentration
Business = 55% of net worth · dominant, illiquid
Doc: cap_table.pdf5 Loss tolerance
Number pending · "I don't watch markets"
Requires advisor discussion6 Life events
Two children to university (3 & 5 yrs); partial sale
AI · transcript 31:087 Near-term liquidity
R$2.4M/yr obligations · reserve light
AI · docs + transcript8 Tax exposure enrich
PJ holding exists; exit structuring open
Doc: IRPF_2025.pdf9 Mental benchmark
CDI · shapes covenant & framing
AI · transcript 41:05✦ AI-assigned Diagnostic lens
Business owner before exit
Tells the advisor where to probe: personal guarantees, liquidity bridge, exit structure, attachment to the company. Recedes once inputs are validated.
Why this lens: wealth source = founder + dominant illiquid business + a pending sale matched the "business owner before exit" prior with high confidence. It raised inputs 4, 5 and 8 as the ones most likely to be understated, which is why loss tolerance is flagged for a live number.
Conversation
▷
First call · 47 min
✦ AI transcribed live & extracted 9 inputs
May 28
✎
Mirror Summary v2
AI-drafted, edited & sent by advisor within 24h
May 29
☷
Document request · 11 items
Personalized to her words, not a checklist
May 29
▣
Docs received & reconciled
BTG, Itaú, cap table, IRPF 2025
Jun 2
☎
WhatsApp note
"Helena asked about selling a stake to a fund"
Jun 4
Discrepancy queue✦ AI surfaces● advisor decides
Offshore account not mentioned
R$0.3M offshore appears in docs but not in the first call.
Business value basis differs
Docs imply ~R$24.2M; verbally she said "about R$20M".
Undisclosed loan against brokerage
R$0.8M credit line found in the BTG statement.
Financial artifacts✦ AI builds● advisor edits
Balance sheet
R$44.1M
Treemap + 3-yr history. Business 55%, ~99% Brazil.
12 line items · 4 advisor edits
Historical P&L
+R$5.8M 2025
Income by source, expenses, returns by class, net change. Waterfall + 2-yr table.
Reconciles to history deltas
Forward projection
→ R$20.5M
Financial book at IPCA + 4.5% real over 10 yrs (today's R$), before exit.
Assumptions editable inline
Where AI adds value: it reconciles statements across every broker, drafts all nine profile fields with provenance, builds the balance sheet, P&L and projection, and flags what the documents say that the conversation did not. What stays human: the advisor confirms every field and resolves each discrepancy with care.
Recommendation Builder
Where the portfolio recommendation is constructed against the approved universe, reviewed, and overridden. Every position carries a written thesis.
✦ generates● overrides◆ escalation
Financial book · current → recommended
| Layer | Today | Target | Thesis · role & why this instrument | |
|---|---|---|---|---|
| Liquidity reserve | – | → | R$2.0M | Same-day liquidity at the risk-free rate. Seeded by the R$1.4M cash held outside the book; a bad month is never a forced sale. |
| Stability | R$0.6M | → | R$5.0M | NTN-B (intermediate duration) + high-grade credit. Predictable real income; funds her life as she steps back. |
| Growth | R$0.7M | → | R$5.2M | Globally diversified equity. The compounder. Brazil becomes a deliberate position, not the default. |
| Opportunistic | – | → | R$1.0M | Bounded, only on an active IT view. Sized so being wrong never damages the plan. |
| CDI concentration | R$11.9M | → | – | The single bet, unwound in stages into the four layers above. Benchmark reframed: CDI to IPCA + 4 to 5% over 10 yrs. |
How the AI sized this: horizon 10+ yrs sets an equity-biased base, reduced by the binding constraint (business 55% concentration) and a revealed loss tolerance below the stated one. Reserve is sized up for variable income + 67% illiquid. Growth is the residual after reserve and stability are funded.
Risk
Revealed: moderate-conservative. Stated "aggressive" diverges. Benchmark CDI. Calibrated to revealed tolerance + covenant reframe.
Liquidity
Reserve 7mo → fund to 9 to 12mo. Stress: reserve + stability (~R$7.0M) cover ~3 yrs of obligations.
Concentration
Business 55% pre-condition. Geographic 99% Brazil hard flag. CDI 90% hard flag.
Cost & tax
Embedded fees ~R$140k/yr. Exit structuring (PJ vs personal) worth an est. R$1 to 2M.
● Advisor Pending your review
Where AI adds value: it runs the four analyses in parallel, drafts a position-by-position recommendation from the curated universe, and attaches a thesis to each. What stays human: the advisor accepts, modifies or rejects, and any override is logged with reasoning. An instrument outside the universe triggers an ◆ investment-team escalation.
Pre-call Brief
Opened in the last fifteen minutes before a touchpoint. Short by design: context without a script.
✦ generates● reads & leads
Before your 3:00 PM call · Helena Marques
Changed in her situation
- Ran "Sell 40% in 18 months" 5× in her View this week.
- Offshore account (R$0.3M) surfaced in documents.
Market, for her specifically
- Real yields +30bps, NTN-B entry more attractive for the stability layer.
- BRL strengthened 4%, a favorable window to begin global diversification.
◆ IT Relevant views
- Active: real-yield window, NTN-B 2035 entry logic in force.
Address, in priority order 0/4 addressed
- ✓The exit-structure timeline: it has a deadline and is worth more than any allocation move.
- ✓Her "sell a stake to a fund" idea: model secondary vs partial sale together.
- ✓Consent to top up the reserve to R$2.0M from the credit-fund redemptions.
- ✓The CDI benchmark conversation, before the first volatile month.
AI assembles the brief from everything that moved since the last touchpoint: her View activity, market data relevant to her positions, and live IT views. The advisor walks in with context and leads the conversation as a person. Tick items off as you cover them.
IT Feed
Where the investment team's work surfaces live into every advisor's Engine. You never have to refresh, search, or ask.
◆ investment team produces
Approved universe
| Instrument type | Role | Thesis for inclusion | Removal condition |
|---|---|---|---|
Tesouro Selic / LFT | Reserve | Same-day liquidity at the risk-free rate | n/a (structural) |
NTN-B (interm.) | Stability | Real yield >7%; preserves purchasing power | Real yield < 4% sustained |
Global equity (UCITS / BDR) | Growth | Diversifies the 1%-of-world Brazil default | Cheaper wrapper supersedes |
High-grade credit | Stability | Spread over NTN-B with acceptable risk | Spread compresses below threshold |
Active opportunity views
Real-yield window · NTN-B 2035
Real yields above 7% are historically rich. Build duration in the stability layer.
Escalation queue● advisor →◆ IT
Private secondary in Aurora · IT reviewing
Advisor requested use of an instrument outside the universe (a direct secondary in Helena's own company). IT to return a documented addition or a documented declination.
The investment team is the backbone, not a surface the advisor manages: it owns the universe, the philosophy, the time-bound opportunity views, and the escalation rulings. When a view changes, it reaches every advisor's Engine before the next client touchpoint.
Client Thread
A mirror of what Helena is doing in her View, surfaced as a behavioral signal. What a good advisor used to sense from frequent calls.
✦ surfaces the signal● advisor reads it
Scenarios she ran
Sell 40% of the business in 18 months 5× this week
School costs double 2×
Sell the apartment in 3 years 1×
● Repeated runs of the same scenario signal intent or anxiety. Lead with the exit.
What she re-read
The Crossroads (exit paths) 3×
The Behavioral Covenant 2×
Messages & flags
"Asked about selling a stake to a fund"
Activity spike after BRL headline flag
AI turns her View activity into a structured signal the advisor sees before the next conversation. The advisor decides what it means and what to address, without having to ask her what is on her mind.
Audit Trail
The version history, structurally embedded. Compliance as a byproduct of good practice, not a separate module.
✦ automatic● authored decisions
Everything, with timestamp, authorship & reasoning
Plan Document v1.0 delivered
Reviewed & sent under advisor sign-off.
Jun 6, 14:20 · Lucas Previato
Override: growth 39% → 34%
Reason: "client psychology pre-exit; ramp after sale." AI original retained.
Jun 6, 11:05 · Lucas Previato
Recommendation v2 generated
Recalced after reserve target raised to R$2.0M.
Jun 6, 10:48 · Decade AI
IT view applied: real-yield window
NTN-B 2035 entry logic flowed into the recommendation.
Jun 5, 09:00 · Investment Team
Artifacts regenerated from documents
Balance sheet, P&L, projection built from BTG / Itaú / cap table / IRPF.
Jun 2, 16:30 · Decade AI
Mirror Summary v2 sent
AI draft, advisor-edited, under advisor name.
May 29, 18:10 · Lucas Previato
No separate compliance workflow exists because the requirement is already met by the work itself: every recommendation has a thesis, every override a reason, every version an author and a timestamp, created in the natural form a regulator or internal review would need it.