AI for wealth managers. You decide.
For independent managers, family offices and investment teams. You ask, the assistants prepare the files; you decide and sign.
Noésis
Cercle
Comptable
Plugs into your tools
What your assistants prepare. File by file.
Portfolio review
Three mandates to review
What Loupe did
- House view applied to each portfolio
- Gaps against the mandate spotted
- Three files ranked by priority
AtlasPortfolio review · OctoberAfter the committee of 14 October
Three portfolios call for a review:
- Balanced mandate, Rochat family: the equity share is above the mandate’s band.To review
- Conservative mandate, Mr Perrin: a bond matures in November.To review
- Ms Jeanneret: the annual review of the risk profile is overdue.To review
Prepared by Loupe. The manager decides every next step.
Reconciliation
Reconciliation with the custodian
What Plume did
- Custodian statement read
- Positions compared one by one
- Two differences explained
Reconciliation · 30 SeptemberAtlas and the custodian statement
All positions match, except two:
- A dividend received on 29 September, not yet booked.
- Custody fees debited twice on the same account.
To confirm with the custodian bank
Client file
Updating a client file
What Plume did
- File documents checked
- Expired documents spotted
- Request to the client drafted
Dear Mr Perrin,
As every year, we are updating your file. To complete it, could you send us:
- a copy of your identity document, as the current one expires in December
- the declaration of the beneficial owner, signed
- the profile questionnaire, updated
We can talk it over at our next meeting.
Kind regards,Your wealth manager
Client letter
The third-quarter letter
What Maestro did
- Quarterly reports attached
- House view taken from the committee
- November meetings proposed
Dear Madam, dear Sir,
Please find attached the report on your portfolio as at 30 September.
Our committee reviewed the house view in October. Your portfolio remains within the framework set by your mandate.
We would be glad to discuss it with you at a meeting in November.
Kind regards,Your wealth manager
Audit
The file for the annual audit
What Loupe did
- Mandate documents gathered
- Approval history attached
- One missing document flagged
Audit fileManagement mandate · Rochat family
- Signed management agreement
- Risk profile and its updates
- Committee decisions applied to the mandate
- Approval history, with its sources
Missing: the minutes of the June committee
A committee pack, ready to review.
You ask for the committee pack. Loupe starts from the house view in Noésis, updates it with its sources and prepares the scenarios. You review and decide: nothing goes out without your approval.
Read the case of an investment firm
Committee · October
The committee is on Thursday. Where is the house view?
Shall I start from the September view, or from scratch?
From SeptemberFrom scratch
Add a scenario on a strong franc.
- Took the September view in Noésis
- Updated it with four market sources
- Built three scenarios, including a strong franc
Pack ready: what has changed since September, three scenarios, every source cited.
House view · OctoberTo reviewThe finance apps.
Noésis
For the investment committee.
The house view is built here: sources, signals and scenarios come together to prepare your analyses. You examine the assumptions, objections and revisions before committing to a view.
See NoésisCercle
For the relationship with each client.
The relationship, the documents and the team’s work sit in one place. Your clients write to you from their phone, with nothing to install; the house keeps control of what goes out.
See Cercle
Atlas
For reviewing portfolios.
The portfolio management system (PMS). It brings together portfolios, mandate rules and points of attention; the manager spots the files to review and keeps the reasons for each decision. Atlas places no stock market orders.
See AtlasComptable
For each company’s accounting.
Your receipts arrive in one file, including from your AI assistant through the MCP connector. The AI reads each document and proposes an expense account; the Meotis Finance team checks and approves the accounts and the report of each company.
See Comptable
Demo screens, fictional examples: no real client appears in them. The exact scope is agreed with you at the start.
Together, they work as one circuit. From research to the client.
Noésis sets the house view, Atlas applies it to every portfolio, Cercle carries it to the client. Together, one circuit, on your premises.
- NoésisThe committee decides.
- AtlasThe manager approves.
- CercleThe client reads and replies.
One night in the circuit
In the eveningThe committee sets the view.
In Noésis: the house view, the model allocations, the convictions kept and those set aside, with their reasons.
OvernightThe view reaches every portfolio.
Noésis applies it to the portfolios held in Atlas: mandate drifts, risks, one proposal per client.
In the morningThe manager decides.
They approve, amend or reject; every proposal goes back through the suitability check.
During the dayThe report reaches the client.
The proposal and its explanation arrive in Cercle. The client reads, asks questions, and the manager answers.
No stock-exchange order is placed: orders go through your usual channels once the manager agrees. The three apps are also available separately; the scope is agreed with you at the start.
How we start.
A chosen process
Choose from your priorities the piece of work to improve first. Describe how it is done today, its volume and the time it takes.
A defined scope
List the sources needed, the tools to connect and the people who approve. Set out what the pilot will deliver.
Success criteria
Agree together how to compare before and after: preparation time, complete files, rework and total cost.
You stay in control.
Nothing goes out without your signature.
The assistants prepare the analysis, they do not execute: no order with a custodian, no document sent to a client without human approval.
Your data, on your premises or in Switzerland.
Atlas is designed for a local installation, with external services switched off by default. Access, confidentiality, history and hosting are defined with your business and compliance leads.
Professional secrecy stays yours.
A wealth manager’s professional secrecy extends to the providers they appoint. The access framework is defined with your compliance leads.
References: FINMA Guidance 08/2024 (where AI is used, who is accountable, how a result was reached); Art. 69 of the Financial Institutions Act (FinIA). No compliance or FINMA approval is claimed.
Frequently asked questions.
What can AI do for a wealth manager?
It prepares the work: the committee pack, the review of portfolios against each mandate, the reconciliation with the custodian, client file updates, the documents for an audit. At Meotis, these assistants work in Noésis, Atlas and Cercle, on Comoto Enterprise OS. The manager reviews, edits or rejects, then signs.
Does the AI decide in place of the manager?
No. The assistants prepare the analysis and the proposals; they do not execute: no stock market order is placed, and nothing reaches a client without the manager’s approval. The decision remains the manager’s, documented with its sources and checks, for a later review or audit.
Where is my clients’ data?
Atlas is designed to be installed locally, on infrastructure you control: no outside service is switched on by default. If you would rather install nothing, the same machine is hosted for you in a data centre in Switzerland. There is no central server that gathers every client’s data.
What about the manager’s professional secrecy?
The manager’s professional secrecy extends to the service providers the manager appoints (art. 69 of the Financial Institutions Act, FinIA). Who can access what is set with your compliance officers, and no outside service is switched on without your approval.
What does FINMA say about AI?
In its supervisory communication 08/2024, FINMA describes what it expects from institutions that use AI: knowing where AI is used, who answers for it and how a result was obtained. Meotis claims no compliance or approval from FINMA: the page “AI and the law in Switzerland” gives an overview, and your legal adviser answers specific questions.
Where do we start?
With a first 30-minute meeting, in person or by video. Together we choose the work to improve first, the sources to connect and the people who approve, then how to compare before and after: preparation time, complete files, rework. Pricing is on request.
Learn more: AI for wealth management, on your premises
Noésis and Cercle are for private banks, wealth managers and accounting firms. Noésis helps the team analyse the markets and set the house view; inside Cercle, Atlas, the built-in portfolio management system (PMS), applies it to each client’s portfolio, according to their objectives and constraints, and the app keeps the relationship with them in one place.
The tool prepares the analysis, it does not execute: Atlas places no stock market orders and sends nothing to a client without approval. The manager reviews, edits or refuses, and the decision stays documented, with its sources and checks, for a later review or check.
Atlas is designed for a local installation, on infrastructure you control. Noésis and Atlas are built on Comoto Enterprise OS, the Meotis system that brings together your organisation’s memory, in Neuchâtel as elsewhere in Switzerland.
Informational and educational content only: it is neither personalised investment advice, nor an offer, nor a solicitation.
Let’s talk about your company.
- 30 minutes, by video or in Neuchâtel
- With the founding team
- No strings attached
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