Wealth modernization
Modernize wealth without fragmenting the client.
Wealth modernization is how community banks bring the whole client relationship onto one household graph: Horizon runs portfolio, trading and supervision on the same client identity as the rest of the bank.
The problem
The advisor knows the portfolio, not the person.
Book, accounting, trading and supervision in four systems.
The client’s banking in a fifth nobody in wealth can see.
Supervision evidence assembled by hand.
The workflow
Wealth, keyed to the household.
One household graph
Every account, position and relationship linked, including held-away assets.
Learn moreDiscretion enforced at the order
Mandates are checked when the order is placed, not in a memo afterward.
Supervision with its own evidence
Reviews generate their own audit record as they happen.
Models, rebalancing and goals
Model portfolios, rebalancing, orders, goals and fees on one platform.
AI workers for the busywork
Documentation, case triage and client signals handled within limits the bank sets; advisors stay in control.
Learn moreModel it, then see it
Test it against your numbers
Build your business case
Model what separate wealth platforms and their reconciliation cost you.
Side-core and full-core results shown separately, as ranges.
Illustrative scenarios: a hypothetical institution with modeled outcomes, not a customer deployment.
Questions
Wealth Modernization: what banks ask
Why is “household-keyed” wealth important?
Because the advisor needs the whole client, not just the portfolio. Horizon links every account, position and relationship in one household graph, including the client’s banking and lending relationships.
Can we keep our existing custodian and clearing relationships?
Yes. Horizon aggregates accounts across the institution and external feeds, including held-away assets, so the bank gets a complete view without changing custodians.
What do “AI workers” do in wealth operations?
They draft documentation, triage service cases, route workflow and surface client signals to the advisor, within capability-scoped authority and tolerance limits the bank sets. Advisors remain in control.
How is this different from a third-party wealth platform stitched onto the core?
A third-party platform fragments the client and adds reconciliation. Horizon runs on the same core that holds the client’s deposits, loans and digital assets — one client identity across wealth and banking.
Does Horizon include rebalancing, model portfolios and supervision?
Yes. Model portfolios, rebalancing, orders, goals, fees and supervision are on the platform, with discretion enforced at the order and supervision generating its own evidence record.
Bring the workflow you want to change.
A working session with the founders on your use case, your core and your first step.