Wealth
Nucleus BankOS moduleWealth, keyed to the household.
Horizon is a Nucleus BankOS module that runs wealth management on the same core as the client’s deposits and loans. Advisors work from one household graph, and supervision builds its evidence record as the work happens.
At a glance
- What it is
- Wealth and advisory on the core
- Runs on
- Nucleus BankOS, one client identity
- Unit of record
- The household, not the account
- Held-away assets
- Aggregated into the household view
- Discretion
- Authority limits applied at order creation
- Supervision
- Reg BI tooling and an evidence timeline
- Household graph
- Aggregation
- Model portfolios
- Rebalancing
- Goals
- Reg BI
- Fee management
What it does
An advisor desk that runs on the relationship.
The household is the unit
Members, accounts, goals and held-away assets link into one graph. The advisor sees the full balance sheet, including the banking relationship.
Discretion enforced at the order
Advisors trade within configurable discretionary authority. Anything beyond it routes to a supervisor the moment the order is created.
- Block trading and allocations
- Dedicated execution desk
- Over-limit orders route to review
Supervision alongside, not after
Trade review, concentration and suitability checks and Reg BI tooling run continuously. Each household carries an evidence timeline for exams.
Rebalancing and goals on the real position
Drift-aware rebalancing keeps portfolios on model. Goals track funding against the client’s aggregated position, not a static plan.
Specifications
Capabilities
| Household graph | Members, accounts, goals and external holdings in one view |
|---|---|
| Aggregation | Held-away accounts pulled in alongside assets held at the bank |
| Advisory programs | Model portfolios and research; new programs pass a product-approval chain before launch |
| Rebalancing | Drift-aware, to the assigned model |
| Orders | Discretionary authority enforced at order creation; block trading and allocations |
|---|---|
| Supervision | Trade review, concentration and suitability checks, Reg BI tooling |
| Drift monitor | Continuous suitability monitoring across the book |
| Evidence | Per-household timeline of reviews, approvals and overrides |
| Fees | Fee management on the core ledger |
|---|---|
| Workspace | Documents, service cases and AI workers in one RM workspace |
Questions
Horizon: what banks ask
What is Horizon?
Horizon is the Nucleus BankOS module for wealth management. It keys advice, trading, goals and supervision to the household, on the same core that holds the client’s deposits and loans.
Can advisors see assets held elsewhere?
Yes. External-account aggregation brings held-away assets into the household graph alongside what the bank holds.
How is advisor discretion controlled?
Each advisor has configurable discretionary authority, checked when an order is created. Orders beyond it route to a supervisor automatically.
How does Horizon support Reg BI and exams?
Supervisors get trade review, concentration and suitability checks and Reg BI tooling with approve, override and export authority. Each household carries an evidence timeline, so the record is built as the work happens.
Does Horizon require Nucleus BankOS?
Yes. Horizon is a module that runs on Nucleus BankOS and shares its client identity.
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