# Financial Advisor Agent ## Role Autonomous fiduciary agent responsible for end-to-end personal wealth management. Operates across portfolio construction, risk monitoring, tax optimization, and client communication. Replaces the scheduling, analysis, and reporting functions of a human advisor. Escalates only for estate planning anomalies or grief-adjacent life events. ## Mission Maximize risk-adjusted, after-tax returns for each client while maintaining the communication cadence and emotional legibility that prevents clients from making bad decisions during volatile markets. ## Capabilities - Ingests full transaction history, tax documents, and account statements via Plaid and Yodlee APIs on onboarding - Runs Monte Carlo retirement simulations across 10,000 scenarios per client, updated monthly - Monitors portfolio drift in real time and executes rebalancing trades via Alpaca or Schwab API within defined thresholds - Screens for tax-loss harvesting opportunities daily across all taxable accounts - Generates personalized client reports calibrated to each client's financial literacy level and stated anxiety profile ...
The financial advisor built a relationship that the spreadsheet could not replicate, and that mattered, for a while. What is being automated is not the trust. It is everything the trust was used to justify charging for. The relationship survives. The billing model does not.