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IRA Rollover Analysis demo

Reads 401(k) fee disclosures and drafts the PTE 2020-02 rollover rationale for advisors 1:32

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What the demo shows

Reads 401(k) fee disclosures and drafts the PTE 2020-02 rollover rationale for advisors

The rollover file is the screen: three ribbons race 20 years from the same balance — stay in the plan, roll to an IRA, move to the new employer's plan — with every cost input pinned to its line in the fee disclosure, and the cited rationale beside them. Seven agents do the work: the Intake agent gathers the plan documents, the Fee Reader extracts and weights every fee, the Cost agent prices each path, the Services agent flags what the client keeps or gives up, the Rationale Drafter writes the rationale and client disclosure, and the Rationale Critic argues against it with a swap test that rejects any reason that would fit any client. The advisor talks to the agents and submits; a different principal approves or sends back with a reason code; the client signs; the Review & Evidence agent re-checks every closed file for the retrospective review.

Transcript

  1. IRA Rollover Analysis reads 401k fee disclosures and drafts the PTE 2020-02 rollover rationale for advisors.
  2. Rollovers top $800 billion a year.
  3. Examiners keep finding generic reasons.
  4. Three ribbons race 20 years for Dana Whitfield.
  5. Stay, roll to an IRA, or join her new plan.
  6. Every fee is pinned to its line.
  7. The IRA costs $3,920 more a year.
  8. Agents flag what she gives up, and the critic reject a reason that fits any client.
  9. Renee, the supervisor, sends it back with a reason code.
  10. Agents never approve. Jordan, the advisor, asks the agents to cite her Roth conversion plan.
  11. The new draft passes all seven checks.
  12. Rene signs and Dana signs before money moves.
  13. Every figure cited, every decision signed, every step logged.
  14. The result, files ready in about 15 minutes, each with a specific cited rationale.
  15. Built on Botminds: agents, data, screens, and governance on one platform.

Transcribed from the film’s narration. Captions are on the player.