HNW Portfolio Risk Analysis & Optimization Framework
Analyze HNW portfolios for concentration risks, tax optimization, and liquidity planning
What You Can Do
You can systematically evaluate concentrated wealth positions, unrealized gains across asset classes, and correlation risks that standard analysis misses. Claude helps you surface 50-200 bps in annual optimization opportunities through tax-efficient rebalancing, strategic charitable giving strategies, and succession planning scenarios—all documented for fiduciary compliance and client justification.
Features
Map hidden correlations and single-position concentration that threatens portfolio stability
Calculate realized and unrealized gains, wash sale implications, and optimal harvest timing
Project cash needs for retirement, major expenses, or market stress with multi-year horizon planning
Model tax consequences of wealth transfer strategies and jurisdiction-specific implications
Evaluate private equity, hedge funds, and illiquid positions within total portfolio context
Identify hidden asset class relationships that cluster risk during market dislocations
Quantify tax and transaction costs before executing portfolio adjustments
Generate defensible written analysis supporting advisory recommendations and regulatory compliance
Example Output
Example 1: Concentration Risk Report
- Client holds $12M in single equity position (48% of portfolio)
- Correlation analysis reveals 0.89 beta to growth stocks + 0.63 to sector peers
- Recommendation: Systematic 3-year diversification plan harvesting $1.2M in tax losses
- Projected outcome: Reduce portfolio volatility from 18.2% to 12.1% while capturing $340K tax benefit
Example 2: Tax-Loss Harvesting Opportunity Summary
- Identified $2.8M in unrealized losses across 7 positions
- Quantified $840K in federal tax savings (30% marginal rate) + $210K state benefit
- Flagged wash sale violations in 3 positions; mapped 30-day avoidance windows
- Prioritized harvest order maximizing tax efficiency while maintaining target allocation
Example 3: Liquidity Scenario Analysis
- Base case: $500K annual distributions requires 4.2% withdrawal rate
- Stress case: Market downturn reduces liquid assets to $8M; identifies illiquid private equity positions blocking access
- Recommendation: Increase cash reserve to $1.2M; establish credit facility for emergency liquidity
- Model shows client can weather 35% portfolio decline while maintaining lifestyle
What's Included
- SKILL.md: Complete portfolio analysis framework with decision trees and methodology
- Concentration Risk Audit Template: Structured checklist for mapping single-position and sector exposure
- Tax-Loss Harvesting Calculator: Worksheet for quantifying realized/unrealized gains and harvest priority ranking
- Liquidity Scenario Model: Three-scenario framework (base, stress, windfall) with projection formulas
- Estate Planning Checklist: Documentation prompts for succession planning conversations and jurisdiction considerations
- Fiduciary Documentation Template: Written recommendation format meeting regulatory compliance standards
Who It's For
- Private Bankers & Wealth Advisors — managing $5M+ client portfolios requiring systematic risk documentation
- Portfolio Managers — analyzing concentrated positions and multi-family office structures
- Tax Advisors & CPAs — coordinating with investment recommendations on tax-loss harvesting timing
- Estate Planning Attorneys — supporting succession documentation with quantified portfolio impact analysis
- Family Office Professionals — conducting annual portfolio reviews and fiduciary reporting for multi-generational wealth
Best For
- Annual HNW portfolio reviews and optimization planning
- Tax-loss harvesting strategy development and execution sequencing
- Concentrated position diversification planning and modeling
- Liquidity scenario analysis for retirement, gifting, or succession events
- Estate and wealth transfer consequence quantification
- Investment policy statement development and documentation
- Regulatory compliance and fiduciary justification for client recommendations
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