How an advisor signs a move

Each draft from the morning pass arrives as an action card: the type of move, the account, the holdings to sell and buy, the amount, and one sentence explaining why. Under it are the numbers the AI used, so the advisor can see the drift, the loss or the idle balance for themselves.

Before signing, the advisor answers five questions, and the card will not let them sign until each one is ticked. Does the move match the household’s plan as it stands today? Has anything changed that the data does not show yet? Is the trade large enough to justify its cost? Does it create a tax event the household has not agreed to? Would I explain it the same way on a call?

The advisor can sign the draft as written, change the amounts and sign, send it back with a note, or hand it to a colleague with the right specialty, such as a trust or an equity plan. On a typical morning, our advisors sign about 84% of drafts as written, change 7% and reject 9%.

When a move is signed, the ledger records the time, the advisor’s name and credential, any changes made to the draft and the reason given for them. The household sees that entry the same morning. If the move is later placed, the ledger adds the fill prices from the custodian.