APPIUS FOR FINANCIAL ADVISORS
See which households need attention, compare proposed changes, and review the trade list, client letter, and file memo together.
Explore a working demo built around client goals, portfolio holdings, and firm policy.
Working synthetic demo. Hosted pilot access and integrations agreed separately.
Review the household’s goals, portfolio, and policy findings together.
A prepared client decision
Follow a synthetic household from a portfolio issue to a proposed resolution. Compare alternatives, inspect the policy recheck, and read the documents prepared for the advisor.
NVDA is 22% of the portfolio against a 15% cap. The household plans a $180,000 home purchase in June 2027, with $64,200 currently in taxable cash.
Plan documents prepared September 27, 2026. The recommended option includes a recorded agent letter from the same starting household, dated September 25. All drafts remain unsent.
What we recommend - Trim NVDA to 14.0% and fully fund the June 2027 home purchase. - In your joint brokerage account, sell 779 shares of NVDA (about $171,380), and buy 111 shares of SPY (about $55,500). This brings NVDA under the 15% limit, fully funds the home purchase, and keeps equity close to your Balanced 60/40 target and Moderate risk profile. If this approach looks good, please confirm and let us know any tax or timing preferences for the trades. If you’d like to review alternatives, we’re happy to discuss and adjust together.
1. What was detected - Single-security concentration: NVDA at 22.0% (max 15%). NVDA represents 22.0% of combined household assets across all accounts; the IPS caps any single security at 15%. [Appius IPS detector · context v1] - Prepare for the upcoming cash need. $180,000 is planned for 2027-06-01. Imported taxable cash is $64,200; $115,800 needs a funding discussion. Other sources may be available. [Approved client context + computed taxable cash · context v1] 2. Recommended resolution: Trim NVDA to 14.0% and fully fund the June 2027 home purchase - SELL 779 NVDA · Joint brokerage · ~$171,380 · lots: NVDA-2026-04-02 x150 (short-term); NVDA-2024-06-20 x257 (long-term); NVDA-2022-10-03 x372 (long-term) · Brings NVDA under the 15% single-security limit - BUY 111 SPY · Joint brokerage · ~$55,500 · Keeps equity near the 60% model Rationale: The smallest set of trades that clears both issues and passes every policy check. Lot selection keeps the estimated tax $13,952 below selling the oldest shares first. 3. Verification: the same policy detectors re-run on the proposed portfolio - PASS largest single security NVDA at 13.99% within 15% cap - PASS cash 11.4% meets liquidity minimum 5% - PASS equity 56.6% within IPS band 50-70% - PASS no restricted tickers held - Planned cash need: funded ($180,080 taxable cash vs $180,000 needed by June 1, 2027) 4. Tax estimate - Realized gain ~$106,057 (long-term $101,257, short-term $4,800); estimated federal tax ~$26,057. - Specific-lot selection: ~$13,952 below oldest-first (FIFO). - Timing: lot NVDA-2026-04-02 (150 sh) becomes long-term on April 3, 2027; waiting would lower its tax by ~$816. - Assumptions: Federal estimate at top-bracket rates (20% long-term, 37% short-term, each plus 3.8% NIIT). State tax excluded. Confirm lots with the custodian and rates with the client’s CPA. 6. Alternatives considered - Sell all NVDA and fully fund the June 2027 home purchase: 2 trades · $470,800 sold · est. tax $95,641 · 4 of 4 policy checks pass on re-check. - Keep the portfolio as is and document an exception: No trades. Both issues stay open as a documented exception, acknowledged by the client and revisited by December 26, 2026. 9. Pending items - Advisor approval: PENDING - Client confirmation: pending - Tax-lot verification with custodian: pending - Trade placement: not started (no custodian connection in this demo)
The separate agent review favored trimming NVDA and proposed 682 shares. The plan above proposes 779 shares to address concentration and the cash goal together.
NVDA is 22% of household assets versus your 15% single‑security cap, and trimming here also helps pre‑fund the $180,000 home‑purchase cash need noted for 2027. Reducing the position to policy size from the taxable account keeps your overall equity posture intact while easing concentration risk; we will use highest‑basis lots first to manage taxes per your CPA coordination note. We’ll continue to hold the remaining NVDA stake within policy bands and revisit sizing as your cash plan firms up.
Original agent text from the same synthetic starting household. This recorded judgment supports the direction of the trim; it is not a live run or an approval of the selected option.
This public demonstration lets you inspect prepared options. It does not save an advisor decision, submit orders, or send client messages.
Client context
Bring supported holdings files and a client-review worksheet into the working demo. Review the proposed facts and their sources before they become the context for a household decision.
The accounts, planned cash needs, and client constraints belong together.
Inspect the source and resolve missing information before accepting a record update.
Preview how a new cash need changes the household’s portfolio decision.
Beyond the first review
In the demo inbox, a changed cash need becomes a proposed record update. Preview its effect on the portfolio decision before approving the change.
Preview how a supported policy change affects each household. Save the reviewed version with a note and retain the earlier decision history.
Assign work, record a review, and track dated tasks. The approved demo decision retains its proposed trade list, unsent letter, and file memo.
These workflows are available in the working synthetic demo. Hosted access for client information, live connectors, and external delivery are separate release steps.
Working together
Walk through the working demo with us, then discuss the client-review process, data sources, and integrations a pilot would need.
The synthetic demo covers client intake, household policy findings, prepared resolutions, draft documents, changes to client context and firm policy, and follow-up tasks. We can use it to discuss the review process your firm needs.
No. The household, positions, prices, tax lots, and planned purchase are synthetic. The calculations demonstrate a workflow; they do not represent client savings, returns, or a live custody feed.
No. Recording an advisor decision saves work inside the demo. Trade lists remain proposed, letters remain unsent, and tasks describe follow-up for a person to complete. This public page only lets you inspect the prepared examples.
We agree on the review workflow, authorized data, access arrangements, integrations, and commercial terms with each firm. Hosted access for real client information and live connections are separate from the synthetic demonstration.
Available connections and supported imports need to be confirmed for your firm. The demonstration does not establish a live connection to your custodian, CRM, or email provider.
YOUR FIRM’S REVIEW PROCESS
Walk through a prepared household decision with us, then discuss the data, controls, and follow-up your firm needs.
The decision remains yours.
