Free OpenClaw Skill for Wealth Management Practices: Client Service Coordinator Agent (Download)

What this skill does for your wealth management practices

• Builds the annual review packet from Addepar or Black Diamond performance data, with allocation drift, tax-loss harvesting candidates, and rebalance proposals pre-staged for the lead advisor.
• Tracks alternative investment K-1 status (delivered, missing, in-extension) across the household's GPs and pings the client service associate when a K-1 slips past March 15.
• Runs the Q4 charitable planning workflow: DAF contribution opportunities, CRT setup deadlines, appreciated-security gifting, QCD eligibility for over-70.5 clients.
• Compiles the weekly RMD watchlist for clients turning 73, 74, 75+, with the calculated minimum and the year-end deadline, routed to the advisor for sign-off.
• Logs every client touch (call, email, review, gift) to a single household memory so the next advisor or associate sees the full context, not a fragmented CRM trail.

What's inside this OpenClaw skill

The full file you download, indexed below for search engines and for operators who want to read before they install.

---
name: wealth-advisor-client-service
description: Client service coordinator agent for wealth management practices. Handles annual review prep, alternative investment K-1 tracking, Q4 charitable planning, RMD coordination, and household memory for HNW and UHNW households. Integrates with Addepar, Black Diamond, Orion Eclipse, Tamarac, eMoney, MoneyGuidePro.
version: 1.0.0
author: OpenClaw Consult (Adhiraj Hangal)
license: MIT
url: https://openclawconsult.com/skills/wealth-advisors
---

# OpenClaw Skill: Wealth Advisor Client Service Coordinator

## Overview

This skill turns the OpenClaw agent into a client service coordinator equivalent
for your wealth management practice. It does not replace the CSA role: it
amplifies it. The skill owns the K-1 chase, the RMD calc grunt work, the review
packet prep, and the Q4 charitable planning scan so the human CSA can spend the
day on client calls and exception handling.

It is designed for RIAs and hybrid firms serving HNW and UHNW households,
typically $200M to $5B AUM, running Addepar or Black Diamond as the portfolio
accounting source of truth, with eMoney or MoneyGuidePro on the planning side.

## What this skill does

1. Annual and semi-annual review packet prep from portfolio accounting data
2. Alternative investment K-1 tracking across GPs with March 15 deadline alerts
3. Q4 charitable planning workflow (DAF, CRT, appreciated security gifts, QCD)
4. Weekly RMD watchlist for clients turning 73, 74, 75+
5. Household memory shared across CSA, advisor, and CCO
6. Allocation drift and tax-loss harvesting candidate surfacing

## Triggers

```yaml
triggers:
  - type: heartbeat
    schedule: "0 8 * * 1"            # Mondays 8am
    action: compile_weekly_review_calendar

  - type: heartbeat
    schedule: "0 7 * * 2"            # Tuesdays 7am
    action: run_k1_status_check

  - type: heartbeat
    schedule: "0 9 1 11 *"           # November 1
    action: run_year_end_charitable_planning

  - type: heartbeat
    schedule: "0 8 * * 3"            # Wednesdays 8am
    action: compile_rmd_watchlist

  - type: on_event
    event: portfolio.holdings_updated
    action: refresh_household_view

  - type: on_event
    event: planning.plan_updated
    action: stage_plan_delta_for_advisor
```

## Workflow: annual review prep

When a review is scheduled in the CRM, the agent (one week prior):

1. Pulls performance from Addepar or Black Diamond with the household's
   benchmark and YTD attribution
2. Loads the current plan from MoneyGuidePro or eMoney and identifies deltas
   from last review (savings rate, goal funding status, risk tolerance changes)
3. Pulls the household's tax data from Holistiplan if integrated, surfacing
   any tax-loss harvesting candidates and any unrealized-gain bunching
   opportunities
4. Compiles the allocation-drift summary against the IPS target
5. Stages the review packet PDF for the lead advisor with talking-point notes
   on each significant delta
6. Routes to the advisor for review three business days before the meeting

## Workflow: K-1 tracking

Alternative investments are a tax-season nightmare. The agent:

1. Maintains a per-household list of K-1-generating positions (private credit,
   private equity, real estate partnerships, hedge fund interests)
2. Tracks expected K-1 delivery from each GP based on historical timing
3. At March 1, flags any K-1 expected but not yet received
4. At March 15, alerts the CSA with a drafted chase email to the GP investor
   relations contact
5. Logs received K-1s to the household memory so the CPA-facing tax workpaper
   pull is automated at filing time
6. Tracks K-1s in extension (most GPs file Form 7004) and surfaces the
   September 15 final deadline

## Workflow: Q4 charitable planning

Starting November 1, the agent runs the year-end charitable planning workflow:

1. Identifies households with over-70.5 IRA owners eligible for QCDs
   (Qualified Charitable Distributions, up to $108K in 2026 indexed limit)
2. Surfaces appreciated securities with embedded gains over the firm's
   threshold for clean DAF contribution
3. Flags households with existing CRT or CLT structures requiring trustee
   action before December 31
4. Drafts personalized advisor-routed client emails referencing each
   household's specific opportunity in their language
5. Routes the entire packet to the lead advisor for review and personalization

A 200-household HNW practice typically has 15-30 households with a clear
charitable planning action in any given Q4. The skill finds them.

## Workflow: RMD watchlist

The agent maintains a weekly watchlist of clients turning 73, 74, or 75+:

- Calculated minimum based on prior-year December 31 balance and the IRS
  Uniform Lifetime Table (or Joint Life Table for spousal beneficiary >10
  years younger)
- First-RMD year clients get the April 1 of next year deadline option flagged
- SECURE 2.0 RMD age changes are baked into the calc (age 73 for 1951-1959
  born, age 75 for 1960+ born)
- Drafted client email with the calculated minimum, the distribution schedule
  options, and the QCD redirect option for over-70.5 clients

## Memory keys

```yaml
memory:
  - key: household.profile[{household_id}]
    description: Household-level state and preferences
    schema: { ltv: number, aum: number, segment: string, last_review: date, next_review: date, advisor_id: string, csa_id: string }

  - key: household.k1_tracker[{household_id}]
    description: Active K-1 expectations and receipt status
    schema: { gp: string, position_id: string, expected_date: date, received_date: date, status: enum }

  - key: household.charitable_plan[{household_id}]
    description: Year-end charitable planning state per tax year
    schema: { tax_year: int, qcd_eligible: bool, qcd_used: number, daf_contributed: number, crt_trustee_actions: array }

  - key: household.rmd_state[{household_id}]
    description: Per-tax-year RMD status
    schema: { tax_year: int, calculated_amount: number, distributed: number, remaining: number, deadline: date }
```

## Required integrations

| Integration              | Purpose                                        | Read | Write |
|--------------------------|------------------------------------------------|------|-------|
| Addepar                  | Holdings, performance, attribution             | yes  | no    |
| Black Diamond            | Holdings, performance, attribution             | yes  | no    |
| Orion Eclipse            | Holdings, performance, attribution             | yes  | no    |
| Envestnet Tamarac        | Holdings, performance, attribution             | yes  | no    |
| eMoney                   | Plan deltas and household balance sheet        | yes  | no    |
| MoneyGuidePro            | Plan deltas and goal funding status            | yes  | no    |
| Holistiplan              | Tax return scan and harvesting candidates      | yes  | no    |
| Salesforce FSC / Redtail | CRM read-write for review and contact notes    | yes  | optional |
| OpenClaw Memory          | Household memory across runs                   | yes  | yes   |
| OpenClaw Heartbeat       | Scheduled review and planning cadences         | yes  | yes   |

Write-back to portfolio accounting is never enabled. Write-back to CRM is
optional and starts disabled.

## Data handling notes

By default the skill operates on account identifiers, position metadata, and
household-level summary data. It deliberately does not put account balances,
social security numbers, or full tax detail into outbound client
communication. Set `pii_mode: redacted` and any client-facing draft routes
through the advisor for completion from the secure portal.

The skill assumes the firm's cloud AI provider is covered by an appropriate
data-handling agreement. Compliance review with the CCO and outside counsel
before any production rollout is the firm's responsibility.

## Configuration

```yaml
config:
  firm_name: "Your Firm"
  voice: "trusted-advisor"
  approval_mode: advisor_approves_all
  pii_mode: standard
  charitable_planning:
    qcd_age_threshold: 70.5
    qcd_annual_limit: 108000
    daf_min_appreciation_threshold: 50000
    crt_trustee_action_window_days: 60
  rmd:
    age_thresholds: [73, 74, 75]
    secure_act_2_borndate_threshold: "1960-01-01"
  k1_tracking:
    deadline_march_15: alert
    deadline_september_15: alert
    historical_timing_lookback_years: 3
  review_cadence:
    annual_review_prep_days_ahead: 7
    quarterly_check_in: optional
```

## Quick install

```bash
mkdir -p ~/.claude/skills
mv wealth-advisors.md ~/.claude/skills/wealth-advisor-client-service.md
# Edit the config block to match your firm
```

Launch OpenClaw and the skill is live. Run `run year-end charitable planning`
or `compile review packet for household X` to invoke it on demand, or wait
for Heartbeat to fire on the configured schedule.

## Want it wired to your stack?

This SKILL.md is the starting point. If you want it plugged into your specific
Addepar instance, your firm's investment committee templates, your compliance
approval workflow, and your house brand voice on a fixed-price two-week clock,
the door is at https://www.adhirajhangal.com/work

Install in 60 seconds

1. 1

   Drop the file into your OpenClaw skills directory

   Save the downloaded wealth-advisors.md as ~/.claude/skills/wealth-advisor-client-service.md (or your firm-level .claude/skills/ if you scope per office). OpenClaw picks up new skill files on next agent launch.

2. 2

   Connect your portfolio accounting and planning stack

   Edit the integrations block to point at your Addepar, Black Diamond, Orion Eclipse, or Tamarac performance feed and your eMoney or MoneyGuidePro planning instance. Read access is enough for the review prep and tracking workflows. The skill includes integration prompts for Salesforce Financial Services Cloud and Redtail on the CRM side.

3. 3

   Launch in approval mode, validate, then flip to autonomous

   Start with the advisor or client service associate approving every outbound client message for the first three weeks. The skill defaults route anything that touches tax advice, account opening, or fiduciary recommendations to the advisor. After validation, flip the routine touchpoints (K-1 nudges, RMD reminders) to autonomous with the advisor notified on exceptions.

Example conversation

Common questions

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