Sia Private Banking Agent
Purpose
Sia Private Banking Agent helps private bankers, wealth managers, and high-net-worth clients consolidate multi-wrapper portfolios, simulate French tax impacts, and generate personalized investment recommendations with compliant reporting.
Primary users
The primary users are private bankers, wealth managers, family office advisors, and their clients who need a unified view of listed and non-listed assets across PEA, CTO, life insurance, real estate, and private markets.
Where it fits (process/stage/trigger)
This agent fits into recurring portfolio review, client advisory preparation, tax optimization analysis, rebalancing discussions, and reporting cycles. It is typically triggered when a client portfolio needs consolidation, an allocation review, a tax comparison, or a client-ready summary before a meeting.
Key capabilities / workflow
The agent consolidates positions across investment wrappers, enriches them with real-time market data and French tax rules, checks data completeness, runs tax and allocation simulations, and refines recommendations until they are suitable for the client profile. It then produces a consolidated dashboard, patrimony analysis, and PDF report in advisor or client mode.
Inputs
Inputs include client portfolio holdings across PEA, CTO, life insurance, real estate, and private markets, along with income and tax profile, risk tolerance, investment horizon, and external data such as market prices, ECB rates, benchmark indices, French tax rules, and DVF property valuation data.
Outputs / Deliverables
Outputs include a consolidated wealth dashboard with performance indicators and P&L, wrapper-level allocation and rebalancing recommendations, French tax simulations such as PFU versus progressive scale and life insurance relief scenarios, AI-generated patrimony analysis, and client-ready PDF reports.
Value
The agent gives advisors and clients a faster, clearer, and more actionable view of total wealth. It improves the quality of tax-aware recommendations, reduces manual consolidation work, supports more consistent advisory decisions, and strengthens the client experience with personalized and professional reporting.