How it works · 2 minute read
Changes in, conversations out.
Most of a client's money often sits at other firms. When something changes there, an advisor usually hears about it late, if at all. Signals closes that gap.
Checking · deposits
- Delta Air Lines Payroll+$3,192
- Salesforce Payroll+$2,822
- Salesforce Payroll+$2,822
- Salesforce Payroll+$2,822
Avery moved to Delta Air Lines, pay up 13%
Old 401(k) still holds $244,183
The flow
- 01
Account data
Clients link accounts they hold at other firms. Balances and transactions arrive every day, alongside the accounts held with you.
- 02
Detectors
Fifteen small, tested rules read that data. Each one looks for a single kind of change, like a paycheck switching employers.
- 03
Signals
When a rule fires, it writes a plain-language signal with the evidence behind it, a dollar opportunity and a confidence.
- 04
Conversation
The advisor gets a suggested next step and a talk track, and can send the signal to their CRM as a task in one click.
Fifteen signals
Each signal is a prompt for a conversation, never financial advice. Here is what each one looks for.
Convertible Held Away
A newly linked investment account at an outside institution with a balance of $100K or more.
Review the new account and discuss consolidation.
401(k) Rollover
An employer plan with no contributions for 90 days or more, often after an employer change.
Offer a rollover review.
Large Inflow / Outflow
A single movement of $100K or more, or three times the client's 12-month average.
Ask about the purpose: windfall, purchase, or moving money elsewhere.
Net Worth Spike
Net worth up 10% over 30 days or 18% over 90 days, on accounts linked for the whole window.
Rebalance and check for concentration.
Net Worth Drop
Net worth down 10% over 30 days or 15% over 90 days, on accounts linked for the whole window.
Make a reassurance call and review the plan.
Wallet Share Change
The home firm's share of total assets moves by 10 points or more within 90 days.
If down, find out why. If up, reinforce the relationship.
Debt Payoff
A loan balance goes to zero, or a single payment covers half or more of the balance.
Redirect the freed-up cash flow to savings.
Income Change
A new recurring deposit, or a recurring paycheck that changes by 8% or more.
Update the plan and contribution levels.
Tax Event
A sale in a taxable account with likely realized gains of $25K or more.
Coordinate with their CPA and look at loss harvesting.
Retirement Gap
A paycheck's 401(k) contribution falls under the employer match rate, leaving $1K or more of match unclaimed this year.
Have a contribution increase conversation.
Spending Shift
A spending category up 45% or more over 90 days against the prior 90 days.
Check in on what changed.
Cash Stagnation
$100K or more in cash with no activity for 180 days.
Discuss putting idle cash to work.
Life Event
A burst of spending that points to a move, wedding, renovation, tuition or a new child.
Start a life event planning conversation.
Employer Change
A recurring paycheck stops and a new one starts from a different employer.
Talk about the old 401(k) and new benefits.
Crypto Activity
A crypto buy or sell of $25K or more.
Discuss the risk and the tax picture.
How signals are ranked
Each signal gets an opportunity score: the dollars involved, times how confident the rule is, faded by age so fresh news comes first. The score halves every 14 days. Hover any score in the app to see its parts.
score = opportunity × confidence × 0.5age ÷ 14 days
About the data
Everything here is synthetic: 150 made-up households with about two years of accounts, transactions and balances, generated from a fixed seed so every visit sees the same story. Dates are shifted so the newest data always lands on today. The home firm is a fictional “Your Firm”.