CASE-64EF26DE8FA4

Complete case evidence

A read-only view of facts and governed artifacts currently persisted for this case.

Case record

Case ID: CASE-64EF26DE8FA4
Version: 3
Status: Risk complete
Jurisdiction: TW
Locale: en
Market config: TW-DEMO-1.0
Created: 2026-10-26T03:17:39.051164+00:00
Updated: 2026-10-26T03:27:58.530019+00:00

Discovery facts

Customer profile

Customer ID: CASE-64EF26DE8FA4
Investor classification: Not recorded
Existing holdings: Not recorded

Financial discovery

Field	Value	Availability
Investable amount	750000 USD	Provided
Investment horizon	84 months	Provided
Annual withdrawal	0 USD	Provided
Liquidity reserve	250000 USD	Provided

Objectives and preferences

Ranked objectives: Wealth Creation · Capital Preservation
Preferred currencies: TWD · USD · SGD
Geographic preference: Global
Sector preference: Not recorded
ESG preference: Not recorded
Prohibited products or markets: Not recorded

Risk inputs

Tolerance: 4
Capacity: 4
Knowledge: 4
Liquidity: 4
Maximum drawdown: 15%
Reaction to previous losses: Sold weak performers and added to existing performing stocks

Transcript and reviewed context

Confirmed onboarding identity · v1

Customer ID: CASE-64EF26DE8FA4
Value: Elaine Chen · client
Source lineage: case 1 · transcript 1 · proposal 1 · review 1

Protected transcript projection · v1

Source lineage: case 1
SHA-256: 3e9346a78a5c40d7a4515a83573cef2231e3ea074785df129f520b3fda517175
Value: 1672 characters

RM: Today is about your own portfolio and goals. We will use only the family context that is relevant to you and that you are comfortable discussing.

Client: My name is Elaine Chen. I am 32, and I am joining Chen Family Holdings Ltd in a leadership-development role.

Client: My father is Mr Chen, the founder and controlling shareholder of Chen Family Holdings Ltd. He owns 100% of Chen Family Holdings Ltd. The company is the family's principal economic exposure.

Client: I am ready to manage a personal portfolio in my own name. It is separate from the family business, and I want its investments to diversify rather than add to the family's business exposure.

Client: I have USD 2,500,000 available for long-term investment. I want to retain USD 250,000 as liquidity while I establish my role in the business.

Client: The USD 2,500,000 is my personal capital. I sold a block of my personal shares in a listed US employer in 2023 for USD 1,500,000. I can provide the trade confirmation and bank credit.

Client: A further USD 750,000 comes from employment income and savings from my previous role in Singapore. I can provide tax returns and salary records.

Client: The remaining USD 250,000 is cash savings held in my personal bank account and is my liquidity reserve.

Client: I want to be the decision-maker for this portfolio. My father can provide perspective, but I want advice that explains the alternatives and lets me make an informed choice.

RM: We will document the relevant family relationship, keep your portfolio objectives distinct, and return with portfolio options that show their diversification, liquidity, and risk trade-offs.

Reviewed client context · v1

Reviewer: adviser-demo · Source lineage: case 1 · transcript 1 · proposal 1

fact INTERVIEW_SUMMARY · accept
party client_primary · accept
party entity_reported_1 · accept
SoW SOW_CLAIM_1 · accept
SoW SOW_CLAIM_2 · accept
SoW SOW_CLAIM_3 · accept

UBO and Source of Wealth

Ownership paths · v1

Status: below_disclosure · 0.0% confirmed · 0.0% potential · Source lineage: case 1 / context 1 / proposal 1

UBO evidence requests

None

UBO evidence documents

None

UBO evidence assessments and lineage

None

Source of Wealth claims · v4

Share sale proceeds

SOW_CLAIM_1 · 1500000.0 USD · assessed · supporting

Assessed evidence includes a supporting result; adviser review is still required.

Salary income and savings

SOW_CLAIM_2 · 750000.0 USD · assessed · supporting

Assessed evidence includes a supporting result; adviser review is still required.

Savings and investment portfolio gains

SOW_CLAIM_3 · 250000.0 USD · assessed · supporting

Assessed evidence includes a supporting result; adviser review is still required.

Evidence requests

None

Evidence documents

None

Evidence assessments and lineage

supporting · independent_third_party

claim SOW_CLAIM_1

Independent or official material with a supporting proposal is recorded as supporting.

case 1 · context 1 · proposal 1 · v1

supporting · independent_third_party

claim SOW_CLAIM_2

Independent or official material with a supporting proposal is recorded as supporting.

case 1 · context 1 · proposal 1 · v2

supporting · independent_third_party

claim SOW_CLAIM_3

Independent or official material with a supporting proposal is recorded as supporting.

case 1 · context 1 · proposal 1 · v3

Compliance readiness / Onboarding compliance decision

Compliance readiness: ready_for_compliance_review

Source lineage: UBO 1 · SoW 4

None

Onboarding compliance decision · v1

Decision: approved · Current approval: True

Reviewer: compliance-demo

Rationale: Approved based on SoW validation

Source lineage: UBO 1 · SoW 4

Deterministic risk evaluation

Version: 1
Status: Complete
Final profile: Growth
Final score: 4
Maximum product risk: 4
Rule version: TW-WM-DEMO-1.1
Source discovery version: 1
Calculated: 2026-10-26T03:27:58.542646+00:00
Horizon / maximum drawdown: 84 months · 15%

Evaluated dimensions

Field	Score
Tolerance	4
Capacity	4
Knowledge	4
Liquidity	4

Rule trace

Rule version	Calculation	Inputs / application	Result
base_profile	minimum_of_tolerance_and_capacity	horizon=—; drawdown=—; applied=—	4
horizon_cap	—	horizon=84; drawdown=—; applied=False	—
drawdown_cap	—	horizon=—; drawdown=15; applied=—	4

Conflicts

None

Review flags

None

Missing fields

None

AI Risk Analyst review

Version: 1
Status: Complete
Provider / model: orchestrate_native · groq/openai/gpt-oss-120b
Execution ID: cbc811f9-af7a-49d1-8222-016ea2a137f0
Mock execution: False
Source lineage: case 3 · risk 1

Briefings

The deterministic risk assessment result is growth, with a final risk score of 4.

A human adviser must review this result before any client communication.

Observations

information · ORCHESTRATE_OBSERVATION_1

The deterministic risk assessment result is growth, with a final risk score of 4.

risk_artifact.final_profile: "growth"
risk_artifact.final_score: 4

Clarification questions

None

Agent activity

#1 tool_complete — Retrieve case data — zypero_get_case
#2 tool_complete — Retrieve deterministic risk artifact — zypero_get_risk_artifact
#3 briefing_generated — Prepared locale-specific adviser briefing

Portfolio candidates and validation

Proposal version: 1
Validation version: 1
Catalogue version: US-CROSS-BORDER-REFERENCE-1.0
Status: Complete
Provider / model: orchestrate_native · groq/openai/gpt-oss-120b
Execution ID: cb7d4dca-cace-471d-8c0b-367c4239140a

Briefings

Two illustrative portfolio candidates passed deterministic validation.

A human adviser must review both validated illustrative candidates and complete all required suitability and compliance checks before any client communication.

Clarification questions

None

Illustrative Portfolio Candidate CAND1

Uses a broad mix of US shares while keeping a modest allocation to cash and bonds alongside them. It reflects the recorded Wealth Creation objective and 84-month horizon, with weighted product risk 3.35 and 100% redeemable within five days.

Key allocation facts: Allocates 35% to VOO; CAND2 allocates 0%.; Allocates 0% to IVV; CAND2 allocates 49%.

Product	Allocation %
iShares 0-3 Month Treasury Bond ETF SGOV	5
iShares Core U.S. Aggregate Bond ETF AGG	15
Schwab U.S. Dividend Equity ETF SCHD	20
Vanguard S&P 500 ETF VOO	35
Apple Inc. AAPL	25

Validation: Valid · total 100% · weighted risk 3.35 · redeemable within 5 days 100%

Illustrative Portfolio Candidate CAND2

Places more of the portfolio in US shares and less in cash and bonds than the other candidate. It reflects the recorded Wealth Creation objective and 84-month horizon, with weighted product risk 3.7 and 100% redeemable within five days.

Key allocation facts: Allocates 0% to VOO; CAND1 allocates 35%.; Allocates 49% to IVV; CAND1 allocates 0%.

Product	Allocation %
SPDR Bloomberg 1-3 Month T-Bill ETF BIL	3
iShares Core U.S. Aggregate Bond ETF AGG	5
Vanguard Dividend Appreciation ETF VIG	11
iShares Core S&P 500 ETF IVV	49
Microsoft Corporation MSFT	32

Validation: Valid · total 100% · weighted risk 3.70 · redeemable within 5 days 100%

Agent activity

#1 tool_complete — Retrieve case data — get_case
#2 tool_complete — Retrieve portfolio constraints and approved products — get_portfolio_context
#3 tool_complete — Validate illustrative portfolio candidates — validate_portfolio_candidates_tool

Selected portfolio revision

Selection version: 1
Source candidate: CAND2
Adviser modified: False
Status: Valid
Source lineage: case 3 · risk 1 · proposal 1
Created: 2026-10-26T07:02:47.143539+00:00

Illustrative Portfolio Candidate CAND2

Deterministic validation returned total allocation 100%, liquid allocation 100%, and weighted product risk 3.7.

Key allocation facts: Allocates 49% to IVV.; Allocates 32% to MSFT.

Product	Allocation %
SPDR Bloomberg 1-3 Month T-Bill ETF BIL	3
iShares Core U.S. Aggregate Bond ETF AGG	5
Vanguard Dividend Appreciation ETF VIG	11
iShares Core S&P 500 ETF IVV	49
Microsoft Corporation MSFT	32

Validation: total 100% · weighted risk 3.70 · redeemable within 5 days 100%

Compliance and suitability validation

Version: 1
Status: Ready for adviser review
Rule version: TW-PORTFOLIO-COMPLIANCE-DEMO-1.0
Selection version: 1
Source lineage: case 3 · risk 1 · proposal 1
Created / acknowledgement required: 2026-10-26T07:02:47.154724+00:00 · True

Passed · portfolio_revalidation — selection.validation.status, selection.validation.issues
Passed · risk_and_allocation_limits — selection.validation.weighted_product_risk, selection.validation.total_allocation_pct, selection.validation.liquid_allocation_pct
Passed · approved_products — catalogue.products[].approval_status
Passed · client_exclusions — case.discovery.objectives_preferences, catalogue.products[].exposures
Passed · client_delivery_control — catalogue.products[].client_delivery_permitted, catalogue.products[].adviser_approval_required
Passed · currency_preferences — case.discovery.objectives_preferences.preferred_currencies, catalogue.products[].denomination_currency

Adviser acknowledgement

Version: 1
Decision: Acknowledged for client draft
Actor context: demo_adviser_session
Time (UTC): 2026-10-26T07:03:08.337488+00:00

Persisted artifact inventory

Artifact	Version	Rule version	Time (UTC)
Interview transcript	1	—	2026-10-26T03:17:39.073073+00:00
Transcript extraction proposal	1	—	2026-10-26T03:17:39.073073+00:00
Reviewed client context	1	—	2026-10-26T03:18:27.680307+00:00
Confirmed onboarding identity	1	—	2026-10-26T03:18:27.680307+00:00
UBO assessment	1	—	2026-10-26T03:18:28.145701+00:00
Source of Wealth assessment	1	—	2026-10-26T03:18:28.256167+00:00
Evidence assessment	1	—	2026-10-26T03:21:37.250489+00:00
Source of Wealth assessment	2	—	2026-10-26T03:21:37.250489+00:00
Evidence assessment	2	—	2026-10-26T03:24:10.638799+00:00
Source of Wealth assessment	3	—	2026-10-26T03:24:10.638799+00:00
Evidence assessment	3	—	2026-10-26T03:25:13.278565+00:00
Source of Wealth assessment	4	—	2026-10-26T03:25:13.278565+00:00
Onboarding compliance decision	1	—	2026-10-26T03:26:14.218567+00:00
Discovery	1	—	2026-10-26T03:27:55.373409+00:00
Risk profile	1	TW-WM-DEMO-1.1	2026-10-26T03:27:58.530019+00:00
Risk analysis	1	—	2026-10-26T03:28:01.830976+00:00
Portfolio proposal	1	—	2026-10-26T03:28:18.890267+00:00
Portfolio validation	1	—	2026-10-26T03:28:18.890267+00:00
Portfolio selection	1	—	2026-10-26T07:02:47.039504+00:00
Portfolio compliance	1	TW-PORTFOLIO-COMPLIANCE-DEMO-1.0	2026-10-26T07:02:47.039504+00:00
Adviser acknowledgement	1	—	2026-10-26T07:03:08.240543+00:00

Case audit events

Time (UTC)	Event	Version	Outcome	Rule version
2026-10-26T03:17:39.051164+00:00	Case created	1	Complete	—
2026-10-26T03:17:39.073073+00:00	interview_transcript	1	Recorded	—
2026-10-26T03:17:39.073073+00:00	transcript_extraction_proposal	1	Recorded	—
2026-10-26T03:18:27.680307+00:00	reviewed_client_context	1	Recorded	—
2026-10-26T03:18:27.680307+00:00	onboarding_identity	1	Recorded	—
2026-10-26T03:18:28.145701+00:00	ubo_assessment	1	below_disclosure	—
2026-10-26T03:18:28.256167+00:00	sow_assessment	1	review_required	—
2026-10-26T03:21:37.250489+00:00	sow_evidence_assessment	1	Recorded	—
2026-10-26T03:21:37.250489+00:00	sow_assessment	2	review_required	—
2026-10-26T03:24:10.638799+00:00	sow_evidence_assessment	2	Recorded	—
2026-10-26T03:24:10.638799+00:00	sow_assessment	3	review_required	—
2026-10-26T03:25:13.278565+00:00	sow_evidence_assessment	3	Recorded	—
2026-10-26T03:25:13.278565+00:00	sow_assessment	4	review_required	—
2026-10-26T03:26:14.218567+00:00	compliance_decision	1	Recorded	—
2026-10-26T03:27:55.373409+00:00	Discovery recorded	1	Recorded	—
2026-10-26T03:27:58.530019+00:00	Deterministic risk profile calculated	1	Complete	TW-WM-DEMO-1.1
2026-10-26T03:28:01.830976+00:00	AI risk review recorded	1	Complete	—
2026-10-26T03:28:18.890267+00:00	Portfolio candidates generated	1	Complete	—
2026-10-26T03:28:18.890267+00:00	Portfolio candidates validated	1	Recorded	—
2026-10-26T07:02:47.039504+00:00	Portfolio selection submitted	1	Selected	—
2026-10-26T07:02:47.039504+00:00	Compliance validation completed	1	Ready for adviser review	TW-PORTFOLIO-COMPLIANCE-DEMO-1.0
2026-10-26T07:03:08.240543+00:00	Adviser acknowledgement recorded	1	Acknowledged	—

This view reports persisted demonstration data and decision-support artifacts. It is not a regulatory certification, trade instruction, or client approval.