Implementation guide · AI Answering & Agents
A prospective client contacts the firm with a financial goal, transition, or concern and expects a credible response. The operating path must prepare the adviser with useful context while keeping suitability, advice, product discussion, and client acceptance with qualified people. This guide isolates how custom ai agents should behave at that moment rather than treating the entire operation as one automation project. Perform one business-specific job through approved tools and records, with least-privilege access, evaluation cases, and a human owner for exceptions. For this financial planning and advisory firm, the job must use the practice or firm's approved language, records, ownership, and professional boundaries.
Return to the governed library parentA prospective client contacts the firm with a financial goal, transition, or concern and expects a credible response. The operating path must prepare the adviser with useful context while keeping suitability, advice, product discussion, and client acceptance with qualified people. This guide isolates how custom ai agents should behave at that moment rather than treating the entire operation as one automation project.
Perform one business-specific job through approved tools and records, with least-privilege access, evaluation cases, and a human owner for exceptions. For this financial planning and advisory firm, the job must use the practice or firm's approved language, records, ownership, and professional boundaries. Advisers and authorized firm staff retain financial judgment, suitability, advice, recommendations, disclosures, scope, and client acceptance. The configured system may prepare and coordinate the conversation but must not act as an adviser or decide what is appropriate.
Run one de-identified or synthetic prospective-advisory inquiry through the configured path and verify that the agent completes representative normal cases, refuses prohibited cases, recovers from tool failure, records its actions, and alerts the owner. Record the expected state, actual state, exception owner, and corrective action before release. Do not release or continue the automated path when the prospect asks for advice, a recommendation, suitability judgment, account action, disclosure interpretation, or an unapproved sensitive-data exchange, or when tool access is broader than the job, evaluation cannot determine success, or consequential actions lack human approval and recovery. Preserve the record and route the case to the named human owner.
Trace one recent prospect from first inquiry through adviser preparation, consultation, permissioned follow-up, and a recorded disposition. For Custom AI Agent, also inspect evaluation results, tool-call logs, permission denials, failures, owner approvals, saved outputs, and version history. This is an implementation control, not a performance claim. Validate it with the business's own recent records, approved policies, synthetic or de-identified test cases, and named human reviewers before release.
Implementation control sheet
Perform one business-specific job through approved tools and records, with least-privilege access, evaluation cases, and a human owner for exceptions. For this financial planning and advisory firm, the job must use the practice or firm's approved language, records, ownership, and professional boundaries.
| Control | Release requirement |
|---|---|
| Required operating inputs |
|
| Release acceptance test | Run one de-identified or synthetic prospective-advisory inquiry through the configured path and verify that the agent completes representative normal cases, refuses prohibited cases, recovers from tool failure, records its actions, and alerts the owner. Record the expected state, actual state, exception owner, and corrective action before release. |
| Stop condition | Do not release or continue the automated path when the prospect asks for advice, a recommendation, suitability judgment, account action, disclosure interpretation, or an unapproved sensitive-data exchange, or when tool access is broader than the job, evaluation cannot determine success, or consequential actions lack human approval and recovery. Preserve the record and route the case to the named human owner. |
| Human boundary | Advisers and authorized firm staff retain financial judgment, suitability, advice, recommendations, disclosures, scope, and client acceptance. The configured system may prepare and coordinate the conversation but must not act as an adviser or decide what is appropriate. |
Approved prospect questions, disclosure language, communication permissions, and adviser-escalation rules The CRM record and accountable adviser or staff owner for every next step Job specification, allowed tools, data scope, permissions, prohibited actions, and completion record Evaluation cases, reviewer, escalation, observability, incident response, versioning, and disable control
Advisers and authorized firm staff retain financial judgment, suitability, advice, recommendations, disclosures, scope, and client acceptance. The configured system may prepare and coordinate the conversation but must not act as an adviser or decide what is appropriate.
Run one de-identified or synthetic prospective-advisory inquiry through the configured path and verify that the agent completes representative normal cases, refuses prohibited cases, recovers from tool failure, records its actions, and alerts the owner. Record the expected state, actual state, exception owner, and corrective action before release. This is an implementation control, not a performance claim. Validate it with the business's own recent records, approved policies, synthetic or de-identified test cases, and named human reviewers before release.