onboarding

New client onboarding workflow — chains risk profiling, goal planning, portfolio construction, compliance check, and welcome report into a complete onboarding experience.

Client Onboarding

Complete onboarding workflow for a new wealth management client.

Workflow Chain

Phase 1: Client Profile Collection

Gather essential information:

Personal Details:

  • Name, age, occupation
  • Residential status (Resident/NRI/RNOR)
  • Family situation (single, married, dependents)
  • Annual income range
  • Existing investments (approximate)
  • Liabilities (home loan, personal loan, etc.)

Financial Snapshot:

  • Monthly income after tax
  • Monthly expenses
  • Monthly savings capacity (income - expenses)
  • Emergency fund status (months of expenses saved)
  • Insurance coverage (term life, health)

Phase 2: Risk Profiling

Conduct a structured risk assessment through questions:

  1. Investment horizon: <3 years / 3-5 years / 5-10 years / 10+ years
  2. Reaction to 20% portfolio drop: Sell everything / Sell some / Hold / Buy more
  3. Income stability: Stable salary / Variable / Business income / Retired
  4. Financial dependents: 0 / 1-2 / 3+ / Supporting parents
  5. Investment experience: Beginner / Intermediate / Advanced
  6. Primary goal: Wealth preservation / Steady growth / Aggressive growth
  7. Risk capacity (based on income vs expenses ratio)

Score and classify:

  • Conservative (score 7-12): Capital preservation priority
  • Moderate (score 13-18): Balanced growth
  • Aggressive (score 19-24): Maximum growth
  • Very Aggressive (score 25-28): High-conviction concentrated

Save profile to ~/.wealthstack/clients/{client-id}/profile.json.

Phase 3: Goal Planning

For each life goal, capture:

  • Goal name (retirement, child education, house purchase, etc.)
  • Target amount (in today's rupees)
  • Target date
  • Priority (must-have / nice-to-have)
bash ${CLAUDE_PLUGIN_ROOT}/scripts/sip-calculator.sh {target_amount} {years} {expected_return}
bash ${CLAUDE_PLUGIN_ROOT}/scripts/goal-gap-analyzer.sh

Map goals to investment horizons and risk levels.

Phase 4: Portfolio Construction

Based on risk profile and goals, recommend:

Asset Allocation:

Risk ProfileEquityDebtGoldCash
Conservative30%55%10%5%
Moderate60%30%7%3%
Aggressive80%12%5%3%
Very Aggressive90%5%3%2%

Product Selection:

  • Large Cap: Index fund (Nifty 50/Sensex) — low cost core
  • Flexi Cap: Actively managed for alpha
  • Mid/Small Cap: For aggressive allocation
  • Debt: Short duration / corporate bond fund
  • Gold: SGB (8-year) or Gold ETF
  • International: Nasdaq 100 / S&P 500 via LRS or fund of funds

Save target allocation to ~/.wealthstack/target-allocation.json.

Phase 5: Compliance Check

Verify suitability:

  • Does allocation match risk profile? (SEBI RIA requirement)
  • Are product recommendations suitable for investment horizon?
  • NRI restrictions applicable? (check FEMA limits)
  • PMS minimum met if recommending PMS? (Rs 50L)
  • Concentration limits respected?

Read regulatory knowledge:

Read ${CLAUDE_PLUGIN_ROOT}/knowledge/regulatory/sebi-rules.md
Read ${CLAUDE_PLUGIN_ROOT}/knowledge/regulatory/fema-rules.md (if NRI)

Phase 6: Implementation Plan

Create actionable steps:

  1. Immediate: Open necessary accounts (demat, MF platform, NPS)
  2. Week 1: Deploy lumpsum (if any) via STP or direct
  3. Month 1: Set up SIPs for all goal-linked investments
  4. Quarter 1: First review checkpoint
  5. Annual: Full review cycle (use /annual-review)

Phase 7: Welcome Report

Generate a comprehensive onboarding report:

WEALTH MANAGEMENT — ONBOARDING REPORT
══════════════════════════════════════════
Client: {name}
Date: {date}
Advisor: WealthStack

RISK PROFILE: {Conservative/Moderate/Aggressive}

GOALS:
  1. {Goal 1}: Rs {target} by {date} — SIP Rs {amount}/mo
  2. {Goal 2}: Rs {target} by {date} — SIP Rs {amount}/mo

RECOMMENDED ALLOCATION:
  Equity: {X}% | Debt: {Y}% | Gold: {Z}%

PRODUCT RECOMMENDATIONS:
  [Table of specific fund/stock recommendations]

IMPLEMENTATION TIMELINE:
  [Step-by-step action items with dates]

REVIEW SCHEDULE:
  - Quarterly: Portfolio rebalancing check
  - Annual: Comprehensive review
  - Ad-hoc: On major market events
══════════════════════════════════════════

Save to ~/.wealthstack/reports/onboarding-{client-id}-{date}.md.

Phase 8: Next Steps

Offer immediate actions:

  • /portfolio — Import existing investments
  • /insurance-audit — Check insurance adequacy
  • /tax-filing — Review tax optimization
  • /nri-wealth — NRI-specific setup (if applicable)