Integrated UHNW plan — Lindsey (Helion founder, $85M concentrated post-IPO, 90-day insider lockup, §1202 applies) + Rajiv (interventional cardiologist); five-agent coordinator dispatch across Tax / Estate / Retirement / Investment synthesized into a single plan
Roth conversion plan for 2026-2032, given Robert's partner buyout and the pre-RMD window
Post-drawdown rebalance + tax-loss harvesting memo for trustee, with trust-specific tax mechanics (compressed brackets, §642(h), NIIT)
Specialist agents
Six calibrated personas read the WMP vault at query time. Five vertical specialists own scoped sections; the UHNW BO Coordinator dispatches and synthesizes.
Debate-area disclosure + Verbalized Sampling + bracket-fill mechanics. Hands off to CPA for multi-state and specific-year detail. TS companion-vault at v0.4.0 for execution-level drilldown (19/41 notes).
Owns the Morrison pre-exit worked example. Cite-importance-anchoring rule originated in this specialist's calibration.
Standing regime-sensitivity flags: HNW-mortality-table and bimodal-post-binary-wealth. Decumulation sequencing remains load-bearing. TS §03 companion available for execution-level drilldown.
Precondition-gated recommendation pattern sharpened in the Morrison concentrated-position worked example. Owns §13 post-Wave-6.
Synthesis-layer Verbalized Sampling. Combined-confidence = MIN of constituents per sub-component. Cite integrity (Rule 6) added post-calibration; filesystem-cite-verification sub-protocol added.
Separates insurance as risk transfer from insurance-product-as-investment. Refuses product illustration validation, carrier-specific pricing, and medical underwriting (broker scope).