Workflow Drilldown: 3. Analyze
Analyze is where AI surfaces what deserves attention: opportunities, risks, missing information, inconsistencies, and client-specific next steps.
Analysis categories
No estate documents, stale beneficiaries, insufficient emergency fund, missing disability coverage, underfunded retirement, concentrated stock.
Tax opportunitiesRoth conversion windows, charitable bunching, tax-loss harvesting, capital-gain planning, RMD planning, HSA optimization.
Portfolio risksDrift, cash drag, concentration, overlap, risk mismatch, underperforming products, high expenses, household asset-location issues.
Service triggersUpcoming review, life-event clues, unanswered client questions, stalled proposals, missing signatures, incomplete onboarding.
Advisor examples
- “Show clients over 60 with no documented Social Security strategy.”
- “Find households with taxable gains and charitable intent.”
- “List clients with more than 15% cash and no known short-term spending goal.”
- “Which prospects mentioned retirement in the last six months but never scheduled a planning meeting?”
- “Find clients whose estate documents name an ex-spouse or deceased fiduciary.”
What AI is good at
AI is strong at scanning large volumes of text and records, making comparisons, spotting missing data, clustering similar cases, and preparing hypotheses. It is especially useful where the advisor already knows what signals matter but does not have time to manually inspect every client record.
What requires human judgment
- Whether an identified “opportunity” is actually appropriate for the client.
- Tradeoffs between taxes, liquidity, risk, family goals, and emotional preferences.
- Whether a recommendation creates a conflict of interest or rollover/product concern.
- Whether the data is complete enough to act.