The Agentic Bank

Bespoke Proposal Agent

⬡ Atelier Builds tailored UHNW investment proposals and pitch books.
◆ Assistive Orchestrator

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.

Memory

Working The household balance sheet + the proposal being assembled.
Episodic Prior proposals, the family's stated preferences and vetoes.
Semantic House asset-allocation views, product shelf, structuring options.
Procedural Pitch-book templates refined by which proposals the advisor agents actually used.
Store File-based memory tool + entity graph (family + entities)

Orchestration

orchestrator-worker MCPA2A

Harness · Managed Agents … long-running session; structured note-taking (a household DOSSIER file) persisted outside context across entities.

Tools

{ } Portfolio + custody systems API { } Market data + house views API Product shelf (RAG) Retrieval ›_ Scenario / projection sandbox Code exec Slide + document generation MCP

Evals & guardrails

  • Every figure in the deck links to a source position or market datum … citation discipline.
  • Suitability pre-check (A2A) before any product appears in the proposal.
  • The proposal routes to the relationship agent and the suitability-oversight gate; it never reaches a client unchecked.

Offline reflection

Replays which proposal variants the relationship agent edited or discarded to refine its templates and house-view framing … sharpening the draft, not the recommendation.

Frontier edge

  • World-model simulation: forward-simulates each reallocation's market-impact and drawdown paths across regimes before a number lands in the deck.
  • Eval-gated continual learning (SEAL-style): consolidates the relationship agent's accepted edits into its house-view framing without a full retrain.
  • Agent-mesh negotiation: A2A-prices bespoke structures with Markets desks and folds live quotes back into the proposal.

A sample run

Trigger A portfolio review is due for a family office with eight legal entities.
  1. 1Consolidate positions across all entities into one look-through balance sheet.
  2. 2Run the proposed reallocation through scenario + drawdown analysis.
  3. 3Screen candidate products against the suitability agent (A2A).
  4. 4Assemble the pitch book with cited figures and a rationale per recommendation.
Output A bespoke proposal with allocation, scenarios and rationale, routed to the relationship agent, which finalises and presents it.

In numbers

42 min
Median proposal build
100%
Figures auto-traced to source

Handoffs

Across ⇢ Markets … Structured Products for bespoke instrument pricing

More on the Private Bank (UHNW) desk