Agentic wealth

Wealth management has no operating system.

Nine systems hold nine copies of every household. WilliamFrank is one integrated set of agentic rails for a wealth team, built in the open with a small founding consortium of advisors.

CRMPlanningCustodian ReportingBillingVault MailCalendarNotes A person keeps them straight
One record of the household
Agents propose · people accept
TodayWith WilliamFrank

Version one, in one minute

What version one does

One interface for every view. An agent for every person. A record where nothing is deleted.

A capture of the frozen v0.4 design on seeded data, narrated. Version one is in build.

The thesis

An operating system does three things for the person using it

Wealth management has none of the three. Every application keeps its own copy of the household, and reconciliation is not shared.

One place where state lives

One record of the household that every program reads from and writes to.

Today: every address typed a second time is a place the record forked.

Programs talk to each other

They share the state instead of passing files.

Today: the planning software waits for tomorrow's file from the custodian.

The user never sees which program is running

One place to work. One interface.

Today: the client confirms the same address in multiple portals.

Ask how many systems a household lives in. Then ask what gets re-entered at each step.

The founding essay →

The harness

One integrated set of agentic rails for a wealth team

The work that does not need judgment runs without a person. The work that requires judgment is organized and tasked to the right person.

  • Workspace
  • Agents
  • Mail
  • Calendar
  • Messages
  • People
  • Files
One interface
A single composer in every view. Routing is shown, so you can redirect it.
The agent is a user
Every person has one.
Agents propose. People accept.
Every write carries a named actor.
Nothing is deleted
Archive is the only verb. A correction supersedes; it never overwrites.
Copper marks anything an agent did Blue marks a person This blue means it is waiting on you

The founding consortium

A small founding consortium, by application

Three main value propositions.

No cost of the AI transition

No fee, no rebuild on your own dime. The cost of your seat is ours.

Your enterprise value stays yours

Your clients, your fee. We provide the AI harness your team works in.

You own part of WilliamFrank

A pool of the company's equity is reserved for founding advisors. Your allocation follows the assets you bring onto the rails.

The structure is written out here. The figures are shared one-to-one.

Who it is for

Advisors who run the work

Wealth teams who see the administrative inefficiencies, and how AI will unlock what ought to exist in this industry.

What you get

A seat for you and your team

Your own agent, mail and calendar connected the day you join, a household ledger with a source on every fact, and Bill in the loop weekly.

What we ask

Work in it

Bring your households, use it, and tell us what is wrong.

Your data is yoursNothing is deleted, and nothing leaves.
First in, largest shareThe bulk of the equity will go to the first $1b who join the consortium.

Apply

A short application

Every application gets a reply.

Do you use evidence-based investing principles? WilliamFrank is designed for expert evidence-based wealth managers.
Is any of your revenue through a broker dealer? Either answer is fine. It changes what the first months look like.
Custodian Check all that apply.
Portfolio accounting and reporting Check all that apply.

Not applying yet

Get the essays by email.

Unsubscribe anytime.

Essays and podcast

The argument, in five pieces

Each essay has an episode.

  1. 1

    Why WilliamFrank — wealth management has no operating system

    An operating system does three things. Wealth management has none of them.

  2. 2

    AI lowers the barrier to build

    One person designed a working prototype in nine weeks, without writing code.

  3. 3

    Agentic wealth — unlocking the agency of advisors

    Three jobs an agent carries, and why only one of them runs on overnight data.

  4. 4

    The 100-client ceiling is a software problem

    Advisors are hitting the administrative ceiling, several floors below the relationship one.

  5. 5

    What agentic rails mean for the advisor P&L

    Overhead rises with size, and doubling revenue has historically bought one point of it.

    ReadEpisode 5 coming soon

WilliamFrank — the agent

Ask the thinking

WilliamFrank is the agent that works alongside Bill, and the kind every person gets. Ask it about the essays or the thesis; it answers with sources.

You
Which of the three jobs can actually run on batch data?
WF
Only the first — the workflows and steps that facilitate the administration. Organizing the information needs a judgment about what matters, and anticipation needs to notice that something changed. Neither is possible from a file that reports what was true this morning. Source: Getting off batch.
Answers cite the essays. Not investment, legal or tax advice.

In person

Two dinners, one table conversation