{"id":8231,"date":"2026-10-07T17:41:47","date_gmt":"2026-10-07T15:41:47","guid":{"rendered":"https:\/\/wealthapi.eu\/?page_id=8231"},"modified":"2026-10-07T17:41:47","modified_gmt":"2026-10-07T15:41:47","slug":"use-case-ai-guided-advisory","status":"publish","type":"page","link":"https:\/\/wealthapi.eu\/en\/use-case-ai-guided-advisory\/","title":{"rendered":"Use Case: AI-guided advisory"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;119392&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;618460&#8243;]<div class=\"wa-section-host\" data-section=\"uc-aga-hero-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-aga-hero-en\" aria-labelledby=\"wa-uc-aga-hero-en-title\">\r\n<style>\r\n\/* \u2500\u2500 Use Case AI-Guided Advisory \u2014 Hero (light, centered) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n.wa-uc-aga-hero-en {\r\n  position: relative;\r\n  overflow: hidden;\r\n  text-align: center;\r\n  color: var(--wa-ink);\r\n  line-height: 1.5;\r\n  background:\r\n    radial-gradient(120% 80% at 50% -26%, color-mix(in srgb, var(--wa-violet) 13%, transparent) 0%, transparent 60%),\r\n    var(--wa-white);\r\n}\r\n.wa-uc-aga-hero-en .agh-inner {\r\n  max-width: 1162px;\r\n  margin: 0 auto;\r\n  padding: 96px 48px;\r\n}\r\n.wa-uc-aga-hero-en .agh-in {\r\n  max-width: 880px;\r\n  margin: 0 auto;\r\n}\r\n\r\n\/* \u2500\u2500 Eyebrow \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n.wa-uc-aga-hero-en p.agh-eyebrow {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  gap: 9px;\r\n  font-size: 12px;\r\n  font-weight: 600;\r\n  letter-spacing: .16em;\r\n  text-transform: uppercase;\r\n  color: var(--wa-violet-deep);\r\n}\r\n.wa-uc-aga-hero-en .agh-dot {\r\n  position: relative;\r\n  flex: none;\r\n  width: 7px;\r\n  height: 7px;\r\n  border-radius: 50%;\r\n  background: var(--wa-violet);\r\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-violet) 18%, transparent);\r\n}\r\n.wa-uc-aga-hero-en .agh-dot::after {\r\n  content: \"\";\r\n  position: absolute;\r\n  inset: 0;\r\n  border-radius: 50%;\r\n  background: var(--wa-violet);\r\n  animation: agh-dot-pulse 2s cubic-bezier(.2,.6,.3,1) infinite;\r\n}\r\n@keyframes agh-dot-pulse {\r\n  0%   { transform: scale(1); 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}\r\n}\r\n@media (max-width: 767px) {\r\n  .wa-uc-aga-hero-en .agh-inner { padding: 48px 20px; }\r\n  .wa-uc-aga-hero-en a.agh-btn { width: 100%; }\r\n}\r\n\r\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n@media (prefers-reduced-motion: reduce) {\r\n  .wa-uc-aga-hero-en .agh-dot::after { animation: none; opacity: 0; }\r\n  .wa-uc-aga-hero-en span.agh-hl { animation: none; }\r\n  .wa-uc-aga-hero-en a.agh-btn,\r\n  .wa-uc-aga-hero-en a.agh-btn svg { transition: none; }\r\n}\r\n<\/style>\r\n\r\n<div class=\"agh-inner\">\r\n  <div class=\"agh-in\">\r\n    <p class=\"agh-eyebrow\"><span class=\"agh-dot\" aria-hidden=\"true\"><\/span>Use Case \u00b7 AI-Guided Advisory<\/p>\r\n    <h1 class=\"agh-title\" id=\"wa-uc-aga-hero-en-title\">We identify advisory occasions that <span class=\"agh-hl\">would otherwise go unnoticed<\/span><\/h1>\r\n    <p class=\"agh-sub\">AI-guided advisory starts before the meeting: wealthAPI spots advisory occasions before your clients ask. From the complete financial picture, aggregated across 3,500+ bank connections, come automatic invitations at the right moment, a ready-to-use advisory brief and automated documentation of every conversation.<\/p>\r\n    <div class=\"agh-ctas\">\r\n      <a class=\"agh-btn agh-btn--primary\" href=\"https:\/\/wealthapi.eu\/en\/#kontakt\">Request a demo <svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a>\r\n      <a class=\"agh-btn agh-btn--ghost\" href=\"#briefing\" data-agh-scroll=\"briefing\">See the briefing<\/a>\r\n    <\/div>\r\n    <ul class=\"agh-meta\" aria-label=\"Data foundation\">\r\n      <li class=\"agh-meta__item\"><span class=\"agh-meta__dot\" aria-hidden=\"true\"><\/span>3,500+ bank connections<\/li>\r\n      <li class=\"agh-meta__item\"><span class=\"agh-meta__dot\" aria-hidden=\"true\"><\/span>Open Finance aggregation<\/li>\r\n      <li class=\"agh-meta__item\"><span class=\"agh-meta__dot\" aria-hidden=\"true\"><\/span>Built on wealthAPI infrastructure<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function () {\r\n  \"use strict\";\r\n  var links = document.querySelectorAll('.wa-uc-aga-hero-en [data-agh-scroll]');\r\n  if (!links.length) return;\r\n  Array.prototype.forEach.call(links, function (link) { link.addEventListener('click', function (e) {\r\n    var id = link.getAttribute('data-agh-scroll');\r\n    var target = document.getElementById(id);\r\n    if (!target) return;\r\n    e.preventDefault();\r\n    var reduce = window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches;\r\n    target.scrollIntoView({ behavior: reduce ? 'auto' : 'smooth', block: 'start' });\r\n    if (history.replaceState) history.replaceState(null, '', '#' + id);\r\n  }); });\r\n})();\r\n<\/script>\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"Service\",\r\n  \"name\": \"wealthAPI AI-Guided Advisory\",\r\n  \"description\": \"wealthAPI spots advisory occasions before clients ask. 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}\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (prefers-reduced-motion: reduce) {\n  .wa-uc-aga-problem-en::before,\n  .wa-uc-aga-problem-en::after { animation: none; }\n  .wa-uc-aga-problem-en li.agp-card { transition: none; }\n  .wa-uc-aga-problem-en.is-reveal .agp-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"agp-inner\">\n  <header class=\"agp-head agp-rev\">\n    <p class=\"agp-eyebrow\"><span class=\"agp-dot\" aria-hidden=\"true\"><\/span>The problem<\/p>\n    <h2 class=\"agp-title\" id=\"wa-uc-aga-problem-en-title\">Preparation is where advisory time disappears.<\/h2>\n    <p class=\"agp-lead\">Before every meaningful conversation, an advisor has to piece together the client's complete picture - across institutions, products and history. Today this work is manual, slow and error-prone.<\/p>\n  <\/header>\n\n  <ul class=\"agp-cards agp-rev\">\n    <li class=\"agp-card\">\n      <div class=\"agp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M4 7h6v6H4zM14 7h6v10h-6zM4 17h6v0\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"agp-card__title\">Data sits in silos<\/h3>\n      <p class=\"agp-card__text\">Accounts, portfolios, cash and insurance are spread across different banks and brokers. Advisors log into several systems - or rely on what the client happens to remember.<\/p>\n    <\/li>\n    <li class=\"agp-card\">\n      <div class=\"agp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 9v4M12 17h.01M10.3 3.9L2.6 17a2 2 0 001.7 3h15.4a2 2 0 001.7-3L13.7 3.9a2 2 0 00-3.4 0z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"agp-card__title\">Signals get lost<\/h3>\n      <p class=\"agp-card__text\">A maturing fixed-term deposit, idle cash or an over-concentrated position is only an opportunity if someone spots it - in time and in the right conversation.<\/p>\n    <\/li>\n    <li class=\"agp-card\">\n      <div class=\"agp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 7v5l3 2M12 3a9 9 0 100 18 9 9 0 000-18z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"agp-card__title\">Preparation eats the calendar<\/h3>\n      <p class=\"agp-card__text\">Assembling a coherent client picture by hand can take close to an hour - for every conversation, again every week.<\/p>\n    <\/li>\n  <\/ul>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-aga-problem-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.agp-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"ItemList\",\n  \"name\": \"The problem: preparation is where advisory time disappears\",\n  \"description\": \"Before every meaningful conversation, an advisor has to piece together the client's complete picture - across institutions, products and history. Today this work is manual, slow and error-prone.\",\n  \"inLanguage\": \"en\",\n  \"itemListElement\": [\n    { \"@type\": \"ListItem\", \"position\": 1, \"name\": \"Data sits in silos\", \"description\": \"Accounts, portfolios, cash and insurance are spread across different banks and brokers.\" },\n    { \"@type\": \"ListItem\", \"position\": 2, \"name\": \"Signals get lost\", \"description\": \"Maturing fixed-term deposits, idle cash or over-concentrated positions are only an opportunity if they are spotted in time.\" },\n    { \"@type\": \"ListItem\", \"position\": 3, \"name\": \"Preparation eats the calendar\", \"description\": \"Assembling a coherent client picture by hand can take close to an hour per conversation.\" }\n  ]\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;353519&#8243;]<div class=\"wa-section-host\" data-section=\"uc-aga-solution-en\" style=\"contain:layout paint;\"><section class=\"wa-section 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color: var(--wa-neutral-1100) !important; }\r\n\r\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n@media (max-width: 1080px) {\r\n  .wa-uc-aga-solution-en .agl-inner { padding: 64px 32px; }\r\n  .wa-uc-aga-solution-en .agl-feat { grid-template-columns: 1fr; gap: 34px; }\r\n  .wa-uc-aga-solution-en figure.agl-brief { max-width: 560px; width: 100%; }\r\n}\r\n@media (max-width: 767px) {\r\n  .wa-uc-aga-solution-en .agl-inner { padding: 40px 20px; }\r\n  .wa-uc-aga-solution-en dl.agl-kpis,\r\n  .wa-uc-aga-solution-en ul.agl-conns { grid-template-columns: 1fr; }\r\n}\r\n\r\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n@media (prefers-reduced-motion: reduce) {\r\n  .wa-uc-aga-solution-en .agl-live__dot { animation: none; }\r\n  .wa-uc-aga-solution-en.is-reveal .agl-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\r\n}\r\n<\/style>\r\n\r\n<div class=\"agl-inner\">\r\n  <div class=\"agl-feat agl-rev\">\r\n    <div class=\"agl-text\">\r\n      <p class=\"agl-eyebrow\"><span class=\"agl-dot\" aria-hidden=\"true\"><\/span>The solution<\/p>\r\n      <h2 class=\"agl-title\" id=\"wa-uc-aga-solution-en-title\">One screen, the whole client.<\/h2>\r\n      <p class=\"agl-lead\">Open a client - and within seconds the AI compiles a complete, structured brief: the starting situation, the relevant figures and where the opportunities lie.<\/p>\r\n      <ol class=\"agl-steps\">\r\n        <li class=\"agl-step\"><span class=\"agl-step__n\" aria-hidden=\"true\">1<\/span><div><h3 class=\"agl-step__title\">Aggregates every account<\/h3><p class=\"agl-step__text\">Live balances across banks, brokers and insurers via Open Finance.<\/p><\/div><\/li>\r\n        <li class=\"agl-step\"><span class=\"agl-step__n\" aria-hidden=\"true\">2<\/span><div><h3 class=\"agl-step__title\">Surfaces the signals<\/h3><p class=\"agl-step__text\">Maturing investments, idle cash and concentration risks are flagged automatically.<\/p><\/div><\/li>\r\n        <li class=\"agl-step\"><span class=\"agl-step__n\" aria-hidden=\"true\">3<\/span><div><h3 class=\"agl-step__title\">Writes the brief<\/h3><p class=\"agl-step__text\">Situation, key figures and conversation starters - ready before the meeting begins.<\/p><\/div><\/li>\r\n        <li class=\"agl-step\"><span class=\"agl-step__n\" aria-hidden=\"true\">4<\/span><div><h3 class=\"agl-step__title\">Documents automatically<\/h3><p class=\"agl-step__text\">Conversation flow, recommendations and suitability are logged in a structured way and filed automatically in the client record.<\/p><\/div><\/li>\r\n      <\/ol>\r\n    <\/div>\r\n\r\n    <figure class=\"agl-brief\" aria-label=\"Example: AI Meeting Brief\">\r\n      <div class=\"agl-brief__bar\">\r\n        <span class=\"agl-brief__t\"><span class=\"agl-brief__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M13 3L5 13h6l-2 8 8-10h-6l2-8z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>AI Meeting Brief<\/span>\r\n        <span class=\"agl-live\"><span class=\"agl-live__dot\" aria-hidden=\"true\"><\/span>Live<\/span>\r\n      <\/div>\r\n      <div class=\"agl-brief__body\">\r\n        <div class=\"agl-brief__meta\"><span>Portfolio review \u00b7 Daniel Brandt<\/span><span>Thu, 14 May 2026 \u00b7 10:30<\/span><span>Private banking \u00b7 Frankfurt<\/span><\/div>\r\n        <div class=\"agl-lbl\">Starting situation<\/div>\r\n        <p class=\"agl-brief__sit\">Daniel Brandt (54), client since 2016 - managing partner of an engineering firm, married, two adult children. Monthly surplus \u2248 <b>\u20ac6,800<\/b>. Three detected signals - a <b>\u20ac180,000<\/b> fixed-term deposit maturing 07\/2026, a <b>38%<\/b> single-stock concentration in employer shares and a <b>\u20ac250,000<\/b> inheritance inflow - make this the ideal moment for a rebalancing conversation.<\/p>\r\n        <div class=\"agl-lbl\">Key figures<\/div>\r\n        <dl class=\"agl-kpis\">\r\n          <div class=\"agl-kpi\"><dt>Available cash<\/dt><dd>\u20ac430,000<\/dd><\/div>\r\n          <div class=\"agl-kpi\"><dt>Fixed-term deposit due 07\/2026<\/dt><dd>\u20ac180,000<\/dd><\/div>\r\n          <div class=\"agl-kpi\"><dt>Inheritance inflow<\/dt><dd>\u20ac250,000<\/dd><\/div>\r\n          <div class=\"agl-kpi agl-kpi--hi\"><dt>Reallocation potential<\/dt><dd>\u2248 \u20ac860,000<\/dd><\/div>\r\n        <\/dl>\r\n        <ul class=\"agl-ovw\">\r\n          <li class=\"agl-ovw__chip\">Net worth <b>\u20ac2.34M<\/b><\/li>\r\n          <li class=\"agl-ovw__chip\">Investable <b>\u20ac1.80M<\/b><\/li>\r\n          <li class=\"agl-ovw__chip\">Liquid <b>\u20ac430k<\/b><\/li>\r\n          <li class=\"agl-ovw__chip\">Liabilities <b>\u20ac160k<\/b><\/li>\r\n        <\/ul>\r\n        <div class=\"agl-lbl agl-lbl--gap\">External connections \u00b7 Open Finance<\/div>\r\n        <ul class=\"agl-conns\">\r\n          <li class=\"agl-conn\"><span class=\"agl-conn__av\" aria-hidden=\"true\">A<\/span><span class=\"agl-conn__nm\"><b>Online broker A<\/b><span>Brokerage<\/span><\/span><span class=\"agl-conn__am\">\u20ac310,000<\/span><\/li>\r\n          <li class=\"agl-conn\"><span class=\"agl-conn__av\" aria-hidden=\"true\">B<\/span><span class=\"agl-conn__nm\"><b>Custodian bank<\/b><span>Securities account<\/span><\/span><span class=\"agl-conn__am\">\u20ac640,000<\/span><\/li>\r\n          <li class=\"agl-conn\"><span class=\"agl-conn__av\" aria-hidden=\"true\">C<\/span><span class=\"agl-conn__nm\"><b>Direct bank A<\/b><span>Savings<\/span><\/span><span class=\"agl-conn__am\">\u20ac95,000<\/span><\/li>\r\n          <li class=\"agl-conn\"><span class=\"agl-conn__av\" aria-hidden=\"true\">D<\/span><span class=\"agl-conn__nm\"><b>Online broker B<\/b><span>Brokerage<\/span><\/span><span class=\"agl-conn__am\">\u20ac210,000<\/span><\/li>\r\n          <li class=\"agl-conn\"><span class=\"agl-conn__av\" aria-hidden=\"true\">E<\/span><span class=\"agl-conn__nm\"><b>Insurer<\/b><span>Insurance<\/span><\/span><span class=\"agl-conn__am\">\u20ac120,000<\/span><\/li>\r\n          <li class=\"agl-conn agl-conn--miss\"><span class=\"agl-conn__av\" aria-hidden=\"true\">F<\/span><span class=\"agl-conn__nm\"><b>Direct bank B<\/b><span>Consent missing<\/span><\/span><span class=\"agl-conn__am\">\u00b7 \u00b7 \u00b7<\/span><\/li>\r\n        <\/ul>\r\n      <\/div>\r\n    <\/figure>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function () {\r\n  \"use strict\";\r\n  var roots = document.querySelectorAll('.wa-uc-aga-solution-en');\r\n  if (!roots.length) return;\r\n  if (!('IntersectionObserver' in window)) return;\r\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\r\n  var io = new IntersectionObserver(function (entries) {\r\n    entries.forEach(function (e) {\r\n      if (e.isIntersecting) { e.target.classList.add('is-in'); 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}\n  .wa-uc-aga-process-en dl.ags-stats { grid-template-columns: 1fr 1fr; }\n  .wa-uc-aga-process-en .ags-stat:nth-child(2) { border-right: 0; }\n  .wa-uc-aga-process-en .ags-stat:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.14); }\n  .wa-uc-aga-process-en .ags-feat { grid-template-columns: 1fr; gap: 34px; margin-top: 56px; }\n  .wa-uc-aga-process-en .ags-feat__viz { order: 1; max-width: 560px; width: 100%; }\n}\n@media (max-width: 767px) {\n  .wa-uc-aga-process-en .ags-inner { padding: 40px 20px; }\n  .wa-uc-aga-process-en dl.ags-stats { grid-template-columns: 1fr; }\n  .wa-uc-aga-process-en .ags-stat { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.14); padding: 22px 20px; }\n  .wa-uc-aga-process-en .ags-stat:last-child { border-bottom: 0; }\n  .wa-uc-aga-process-en .ags-stat dd { font-size: 30px; }\n  .wa-uc-aga-process-en li.ags-sig { flex-wrap: wrap; gap: 4px 12px; }\n  .wa-uc-aga-process-en .ags-sig__a { margin-left: 0; flex-basis: 100%; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (prefers-reduced-motion: reduce) {\n  .wa-uc-aga-process-en::before,\n  .wa-uc-aga-process-en::after { animation: none; }\n  .wa-uc-aga-process-en.is-reveal .ags-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"ags-inner\">\n  <header class=\"ags-head ags-rev\">\n    <p class=\"ags-eyebrow\"><span class=\"ags-dot\" aria-hidden=\"true\"><\/span>How it works<\/p>\n    <h2 class=\"ags-title\" id=\"wa-uc-aga-process-en-title\">Built on Open Finance, optimised for advisory.<\/h2>\n  <\/header>\n\n  <dl class=\"ags-stats ags-rev\">\n    <div class=\"ags-stat\"><dt>bank connections<\/dt><dd>3,500<span class=\"ags-stat__u\">+<\/span><\/dd><\/div>\n    <div class=\"ags-stat\"><dt>balances &amp; positions<\/dt><dd>Real-time<\/dd><\/div>\n    <div class=\"ags-stat\"><dt>data classes: banks, brokers &amp; securities accounts, insurance &amp; pensions<\/dt><dd>4<\/dd><\/div>\n    <div class=\"ags-stat\"><dt>unified client view<\/dt><dd>1<\/dd><\/div>\n  <\/dl>\n\n  <div class=\"ags-feat ags-rev\">\n    <div class=\"ags-feat__viz\">\n      <div class=\"ags-lbl\" id=\"wa-uc-aga-process-en-sigs\">Signal detection<\/div>\n      <ul class=\"ags-sigs\" aria-labelledby=\"wa-uc-aga-process-en-sigs\">\n        <li class=\"ags-sig\"><span class=\"ags-sig__v\">\u20ac180,000<\/span><span class=\"ags-sig__d\">fixed-term deposit due 07\/2026<\/span><span class=\"ags-sig__a\">Reinvestment<\/span><\/li>\n        <li class=\"ags-sig\"><span class=\"ags-sig__v\">38%<\/span><span class=\"ags-sig__d\">in employer shares<\/span><span class=\"ags-sig__a\">Diversification<\/span><\/li>\n        <li class=\"ags-sig\"><span class=\"ags-sig__v\">\u20ac250,000<\/span><span class=\"ags-sig__d\">inheritance inflow<\/span><span class=\"ags-sig__a\">Allocation<\/span><\/li>\n      <\/ul>\n    <\/div>\n    <div class=\"ags-feat__text\">\n      <h3 class=\"ags-feat__title\">The same data, screened for advisory occasions.<\/h3>\n      <p class=\"ags-feat__lead\">Securities accounts, bank accounts, liquidity, cards and insurance are consolidated into a consented, real-time picture - and then scanned for advisory triggers. Every signal points to a concrete conversation occasion in the brief.<\/p>\n      <ul class=\"ags-checks\">\n        <li class=\"ags-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Consented and GDPR-compliant<\/li>\n        <li class=\"ags-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>The same infrastructure European wealth platforms rely on<\/li>\n        <li class=\"ags-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Every signal with a confidence score<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-aga-process-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.ags-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Service\",\n  \"name\": \"Signal detection on Open Finance data\",\n  \"description\": \"Securities accounts, bank accounts, liquidity, cards and insurance are consolidated across 3,500+ bank connections into a consented, real-time picture and scanned for advisory triggers. Every signal carries a confidence score and points to a concrete conversation occasion in the brief.\",\n  \"serviceType\": \"Open Finance data aggregation and signal detection for advisory\",\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\n  \"inLanguage\": \"en\",\n  \"url\": \"https:\/\/wealthapi.eu\"\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;598975&#8243;]<div class=\"wa-section-host\" data-section=\"uc-aga-occasions-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-aga-occasions-en\" id=\"occasions\" aria-labelledby=\"wa-uc-aga-occasions-en-title\">\r\n<style>\r\n\/* \u2500\u2500 Use Case AI-Guided Advisory \u2014 Advisory occasions (cool surface, automation card) \u2500 *\/\r\n.wa-uc-aga-occasions-en {\r\n  position: relative;\r\n  overflow: hidden;\r\n  isolation: isolate;\r\n  color: var(--wa-ink);\r\n  line-height: 1.5;\r\n  background: var(--wa-bg-cool);\r\n  scroll-margin-top: 80px;\r\n}\r\n.wa-uc-aga-occasions-en::before,\r\n.wa-uc-aga-occasions-en::after {\r\n  content: \"\";\r\n  position: absolute;\r\n  z-index: -1;\r\n  border-radius: 50%;\r\n  pointer-events: none;\r\n  filter: blur(50px);\r\n}\r\n.wa-uc-aga-occasions-en::before {\r\n  width: 55%; aspect-ratio: 1; left: -12%; top: -30%;\r\n  background: radial-gradient(circle, rgba(124,125,242,.16) 0%, transparent 65%);\r\n  animation: ago-glow-a 18s ease-in-out infinite alternate;\r\n}\r\n.wa-uc-aga-occasions-en::after {\r\n  width: 50%; aspect-ratio: 1; right: -12%; bottom: -35%;\r\n  background: radial-gradient(circle, rgba(19,173,223,.14) 0%, transparent 65%);\r\n  animation: ago-glow-b 20s ease-in-out infinite alternate;\r\n}\r\n@keyframes ago-glow-a { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(35%,25%) scale(1.15); } 100% { transform: translate(70%,5%) scale(.95); } }\r\n@keyframes ago-glow-b { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(-40%,-20%) scale(1.1); } 100% { transform: translate(-75%,-5%) scale(1); } }\r\n\r\n.wa-uc-aga-occasions-en .ago-inner {\r\n  max-width: 1162px;\r\n  margin: 0 auto;\r\n  padding: 80px 48px;\r\n}\r\n.wa-uc-aga-occasions-en .ago-feat {\r\n  display: grid;\r\n  grid-template-columns: .88fr 1.12fr;\r\n  gap: 56px;\r\n  align-items: center;\r\n}\r\n\r\n\/* \u2500\u2500 Text column \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n.wa-uc-aga-occasions-en p.ago-eyebrow {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  gap: 9px;\r\n  font-size: 12px;\r\n  font-weight: 600;\r\n  letter-spacing: .16em;\r\n  text-transform: uppercase;\r\n  color: var(--wa-violet-deep);\r\n}\r\n.wa-uc-aga-occasions-en .ago-dot {\r\n  flex: none;\r\n  width: 7px;\r\n  height: 7px;\r\n  border-radius: 50%;\r\n  background: var(--wa-violet);\r\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-violet) 18%, transparent);\r\n}\r\n.wa-uc-aga-occasions-en h2.ago-title {\r\n  font-family: var(--wa-font-sans);\r\n  font-size: clamp(29px, 3.8vw, 40px);\r\n  line-height: 1.09;\r\n  font-weight: 700;\r\n  letter-spacing: -.025em;\r\n  color: var(--wa-neutral-1100);\r\n  margin: 16px 0 0;\r\n  text-wrap: balance;\r\n}\r\n.wa-uc-aga-occasions-en p.ago-lead {\r\n  font-size: 17px;\r\n  line-height: 1.62;\r\n  color: var(--wa-neutral-900);\r\n  margin-top: 16px;\r\n  max-width: 58ch;\r\n  text-wrap: pretty;\r\n}\r\n.wa-uc-aga-occasions-en ul.ago-checks {\r\n  display: grid;\r\n  gap: 11px;\r\n  margin-top: 22px;\r\n}\r\n.wa-uc-aga-occasions-en li.ago-check {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 11px;\r\n  font-size: 14.5px;\r\n  line-height: 1.5;\r\n  color: var(--wa-ink);\r\n}\r\n.wa-uc-aga-occasions-en li.ago-check svg {\r\n  flex: none;\r\n  width: 17px;\r\n  height: 17px;\r\n  margin-top: 2px;\r\n  color: var(--wa-violet);\r\n}\r\n\r\n\/* \u2500\u2500 Automation card \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n.wa-uc-aga-occasions-en figure.ago-auto {\r\n  margin: 0;\r\n  background: var(--wa-white);\r\n  border: 1px solid var(--wa-line);\r\n  border-radius: var(--wa-radius-md);\r\n  box-shadow: var(--wa-shadow-lg);\r\n  overflow: hidden;\r\n}\r\n.wa-uc-aga-occasions-en .ago-auto__bar {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n  gap: 12px;\r\n  padding: 14px 18px;\r\n  border-bottom: 1px solid var(--wa-line);\r\n}\r\n.wa-uc-aga-occasions-en .ago-auto__t {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  gap: 9px;\r\n  font-size: 13.5px;\r\n  font-weight: 700;\r\n  color: var(--wa-neutral-1100);\r\n}\r\n.wa-uc-aga-occasions-en .ago-auto__ic {\r\n  flex: none;\r\n  width: 26px;\r\n  height: 26px;\r\n  border-radius: 7px;\r\n  display: grid;\r\n  place-items: center;\r\n  background: linear-gradient(135deg, var(--wa-cyan-bright), var(--wa-violet));\r\n  color: var(--wa-white);\r\n}\r\n.wa-uc-aga-occasions-en .ago-auto__ic svg { width: 15px; height: 15px; }\r\n.wa-uc-aga-occasions-en .ago-live {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  gap: 6px;\r\n  font-size: 10.5px;\r\n  letter-spacing: .08em;\r\n  text-transform: uppercase;\r\n  color: var(--wa-green-text);\r\n}\r\n.wa-uc-aga-occasions-en .ago-live__dot {\r\n  width: 6px;\r\n  height: 6px;\r\n  border-radius: 50%;\r\n  background: var(--wa-green);\r\n  box-shadow: 0 0 7px var(--wa-green);\r\n  animation: ago-pulse 1.9s ease-in-out infinite;\r\n}\r\n@keyframes ago-pulse {\r\n  0%, 100% { transform: scale(1);    opacity: 1; }\r\n  50%      { transform: scale(1.35); opacity: .8; }\r\n}\r\n.wa-uc-aga-occasions-en .ago-auto__hd,\r\n.wa-uc-aga-occasions-en li.ago-trig {\r\n  display: grid;\r\n  grid-template-columns: 1fr 22px 1.15fr;\r\n  gap: 12px;\r\n  align-items: center;\r\n}\r\n.wa-uc-aga-occasions-en .ago-auto__hd {\r\n  padding: 12px 18px 0;\r\n  font-size: 10px;\r\n  font-weight: 600;\r\n  letter-spacing: .1em;\r\n  text-transform: uppercase;\r\n  color: var(--wa-muted);\r\n}\r\n.wa-uc-aga-occasions-en ul.ago-auto__list {\r\n  display: grid;\r\n  gap: 10px;\r\n  padding: 12px 18px 18px;\r\n}\r\n.wa-uc-aga-occasions-en .ago-trig__s {\r\n  display: flex;\r\n  align-items: center;\r\n  gap: 10px;\r\n  min-width: 0;\r\n  padding: 11px 12px;\r\n  background: var(--wa-bg-cool);\r\n  border: 1px solid var(--wa-line);\r\n  border-radius: var(--wa-radius-md);\r\n}\r\n.wa-uc-aga-occasions-en .ago-trig__ic {\r\n  flex: none;\r\n  width: 28px;\r\n  height: 28px;\r\n  border-radius: 8px;\r\n  display: grid;\r\n  place-items: center;\r\n  background: var(--wa-violet-100);\r\n  color: var(--wa-violet-deep);\r\n}\r\n.wa-uc-aga-occasions-en .ago-trig__ic svg { width: 15px; 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transform: none; }\r\n\r\n\/* \u2500\u2500 Theme overrides \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n.wa-uc-aga-occasions-en ul,\r\n.wa-uc-aga-occasions-en ol { list-style: none !important; padding-left: 0 !important; margin-left: 0 !important; margin-bottom: 0 !important; }\r\n.wa-uc-aga-occasions-en li { list-style: none !important; margin: 0 !important; }\r\n.wa-uc-aga-occasions-en ul.ago-auto__list { padding: 12px 18px 18px !important; }\r\n.wa-uc-aga-occasions-en h2.ago-title {\r\n  font-size: clamp(29px, 3.8vw, 40px) !important;\r\n  line-height: 1.09 !important;\r\n  color: var(--wa-neutral-1100) !important;\r\n}\r\n\r\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n@media (max-width: 1080px) {\r\n  .wa-uc-aga-occasions-en .ago-inner { padding: 64px 32px; }\r\n  .wa-uc-aga-occasions-en .ago-feat { grid-template-columns: 1fr; gap: 34px; }\r\n  .wa-uc-aga-occasions-en figure.ago-auto { max-width: 560px; width: 100%; }\r\n}\r\n@media (max-width: 767px) {\r\n  .wa-uc-aga-occasions-en .ago-inner { padding: 40px 20px; }\r\n  .wa-uc-aga-occasions-en .ago-auto__hd { display: none; }\r\n  .wa-uc-aga-occasions-en li.ago-trig { grid-template-columns: 1fr; gap: 6px; }\r\n  .wa-uc-aga-occasions-en .ago-trig__a { justify-self: center; transform: rotate(90deg); }\r\n}\r\n\r\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n@media (prefers-reduced-motion: reduce) {\r\n  .wa-uc-aga-occasions-en::before,\r\n  .wa-uc-aga-occasions-en::after,\r\n  .wa-uc-aga-occasions-en .ago-live__dot { animation: none; }\r\n  .wa-uc-aga-occasions-en.is-reveal .ago-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\r\n}\r\n<\/style>\r\n\r\n<div class=\"ago-inner\">\r\n  <div class=\"ago-feat ago-rev\">\r\n    <div class=\"ago-text\">\r\n      <p class=\"ago-eyebrow\"><span class=\"ago-dot\" aria-hidden=\"true\"><\/span>Personalised advisory occasions<\/p>\r\n      <h2 class=\"ago-title\" id=\"wa-uc-aga-occasions-en-title\">The right occasion. Automatically at the right time.<\/h2>\r\n      <p class=\"ago-lead\">Data-driven signal detection turns every detected event into a personal invitation to an advisory meeting. Fully automated in the background, without the advisor lifting a finger.<\/p>\r\n      <ul class=\"ago-checks\">\r\n        <li class=\"ago-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Signals are detected continuously across the entire client base<\/li>\r\n        <li class=\"ago-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Individual, occasion-based invitations instead of a scattergun approach<\/li>\r\n        <li class=\"ago-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Campaigns across all clients sharing the same signal<\/li>\r\n        <li class=\"ago-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>The meeting lands in the advisor's calendar with the brief ready<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n    <figure class=\"ago-auto\" aria-label=\"Example: occasion automation\">\r\n      <div class=\"ago-auto__bar\">\r\n        <span class=\"ago-auto__t\"><span class=\"ago-auto__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M4 4h16v12H5l-1 4V4zM8 9h8M8 12h5\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>Occasion automation<\/span>\r\n        <span class=\"ago-live\"><span class=\"ago-live__dot\" aria-hidden=\"true\"><\/span>Active<\/span>\r\n      <\/div>\r\n      <div class=\"ago-auto__hd\" aria-hidden=\"true\"><span>Signal detected<\/span><span><\/span><span>Automatic invitation<\/span><\/div>\r\n      <ul class=\"ago-auto__list\">\r\n        <li class=\"ago-trig\">\r\n          <div class=\"ago-trig__s\"><span class=\"ago-trig__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M8 3h8a2 2 0 012 2v14a2 2 0 01-2 2H8a2 2 0 01-2-2V5a2 2 0 012-2zM9 8h6M9 12h6M9 16h3\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span><span><b>Riester contract<\/b><small>detected in holdings<\/small><\/span><\/div>\r\n          <div class=\"ago-trig__a\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <div class=\"ago-trig__i\"><b>Switching analysis to the AVD<\/b><small>Invitation sent<\/small><\/div>\r\n        <\/li>\r\n        <li class=\"ago-trig\">\r\n          <div class=\"ago-trig__s\"><span class=\"ago-trig__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 3v14M6 11l6 6 6-6M4 21h16\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span><span><b>Large incoming payment<\/b><small>e.g. bonus or inheritance<\/small><\/span><\/div>\r\n          <div class=\"ago-trig__a\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <div class=\"ago-trig__i\"><b>Personal investment meeting<\/b><small>Invitation sent<\/small><\/div>\r\n        <\/li>\r\n        <li class=\"ago-trig\">\r\n          <div class=\"ago-trig__s\"><span class=\"ago-trig__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 7v5l3 2M12 3a9 9 0 100 18 9 9 0 000-18z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span><span><b>Fixed-term deposit expiring<\/b><small>matures in 6 weeks<\/small><\/span><\/div>\r\n          <div class=\"ago-trig__a\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <div class=\"ago-trig__i\"><b>Reinvestment meeting<\/b><small>Invitation sent<\/small><\/div>\r\n        <\/li>\r\n        <li class=\"ago-trig\">\r\n          <div class=\"ago-trig__s\"><span class=\"ago-trig__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 3l7 3v5c0 4.5-3 7.5-7 9-4-1.5-7-4.5-7-9V6l7-3z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span><span><b>Overpriced insurance<\/b><small>premium above market level<\/small><\/span><\/div>\r\n          <div class=\"ago-trig__a\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\r\n          <div class=\"ago-trig__i\"><b>Contract review<\/b><small>Invitation sent<\/small><\/div>\r\n        <\/li>\r\n      <\/ul>\r\n      <div class=\"ago-auto__ft\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M13 3L5 13h6l-2 8 8-10h-6l2-8z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Runs fully automatically in the background, with no input from the advisor.<\/div>\r\n    <\/figure>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function () {\r\n  \"use strict\";\r\n  var roots = document.querySelectorAll('.wa-uc-aga-occasions-en');\r\n  if (!roots.length) return;\r\n  if (!('IntersectionObserver' in window)) return;\r\n  if (window.matchMedia && 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The meeting lands in the advisor's calendar with the brief ready.\",\r\n  \"serviceType\": \"Automated, occasion-based client outreach\",\r\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\r\n  \"hasOfferCatalog\": {\r\n    \"@type\": \"OfferCatalog\",\r\n    \"name\": \"Examples of advisory occasions\",\r\n    \"itemListElement\": [\r\n      { \"@type\": \"Offer\", \"itemOffered\": { \"@type\": \"Service\", \"name\": \"Switching analysis to the Altersvorsorgedepot (AVD)\", \"description\": \"Triggered by a Riester contract detected in the client's holdings.\" } },\r\n      { \"@type\": \"Offer\", \"itemOffered\": { \"@type\": \"Service\", \"name\": \"Personal investment meeting\", \"description\": \"Triggered by a large incoming payment, e.g. a bonus or inheritance.\" } },\r\n      { \"@type\": \"Offer\", \"itemOffered\": { \"@type\": \"Service\", \"name\": \"Reinvestment meeting\", \"description\": \"Triggered by an expiring fixed-term deposit.\" } },\r\n      { \"@type\": \"Offer\", \"itemOffered\": { \"@type\": \"Service\", \"name\": \"Contract review\", \"description\": \"Triggered by an insurance premium above market level.\" } }\r\n    ]\r\n  },\r\n  \"inLanguage\": \"en\",\r\n  \"url\": \"https:\/\/wealthapi.eu\"\r\n}\r\n<\/script>\r\n<\/section>\r\n<\/div>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;883977&#8243;]<div class=\"wa-section-host\" data-section=\"uc-aga-data-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-aga-data-en\" aria-labelledby=\"wa-uc-aga-data-en-title\">\n<style>\n\/* \u2500\u2500 Use Case AI-Guided Advisory \u2014 The data foundation (white, flow + mapping table) \u2500 *\/\n.wa-uc-aga-data-en {\n  color: var(--wa-ink);\n  line-height: 1.5;\n  background: var(--wa-white);\n}\n.wa-uc-aga-data-en .agd-inner {\n  max-width: 1162px;\n  margin: 0 auto;\n  padding: 80px 48px;\n}\n\n\/* \u2500\u2500 Head \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-data-en header.agd-head {\n  max-width: 700px;\n  margin: 0 auto;\n  text-align: center;\n}\n.wa-uc-aga-data-en p.agd-eyebrow {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  font-size: 12px;\n  font-weight: 600;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--wa-violet-deep);\n}\n.wa-uc-aga-data-en .agd-dot {\n  flex: none;\n  width: 7px;\n  height: 7px;\n  border-radius: 50%;\n  background: var(--wa-violet);\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-violet) 18%, transparent);\n}\n.wa-uc-aga-data-en h2.agd-title {\n  font-family: var(--wa-font-sans);\n  font-size: clamp(29px, 3.8vw, 40px);\n  line-height: 1.09;\n  font-weight: 700;\n  letter-spacing: -.025em;\n  color: var(--wa-neutral-1100);\n  margin: 16px 0 0;\n  text-wrap: balance;\n}\n.wa-uc-aga-data-en p.agd-lead {\n  font-size: 17px;\n  line-height: 1.62;\n  color: var(--wa-neutral-900);\n  margin: 16px auto 0;\n  max-width: 58ch;\n  text-wrap: pretty;\n}\n\n\/* \u2500\u2500 Flow \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-data-en .agd-flow {\n  display: grid;\n  grid-template-columns: 1fr auto 1fr auto 1fr;\n  gap: 16px;\n  align-items: center;\n  margin-top: 44px;\n}\n.wa-uc-aga-data-en .agd-fcol {\n  background: var(--wa-white);\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  padding: 22px 20px;\n}\n.wa-uc-aga-data-en .agd-fcol--mid {\n  background: color-mix(in srgb, var(--wa-violet) 7%, var(--wa-white));\n  border-color: var(--wa-violet-300);\n}\n.wa-uc-aga-data-en h3.agd-fcol__h {\n  font-family: var(--wa-font-sans);\n  font-size: 12.5px;\n  line-height: 1.35;\n  font-weight: 700;\n  letter-spacing: .08em;\n  text-transform: uppercase;\n  color: var(--wa-violet-deep);\n  margin: 0 0 16px;\n}\n.wa-uc-aga-data-en ul.agd-fcol__list {\n  display: grid;\n  gap: 8px;\n}\n.wa-uc-aga-data-en li.agd-fcol__item {\n  display: flex;\n  align-items: flex-start;\n  gap: 8px;\n  font-size: 13px;\n  line-height: 1.4;\n  color: var(--wa-ink);\n}\n.wa-uc-aga-data-en li.agd-fcol__item::before {\n  content: \"\";\n  flex: none;\n  width: 5px;\n  height: 5px;\n  margin-top: 6px;\n  border-radius: 50%;\n  background: var(--wa-violet-300);\n}\n.wa-uc-aga-data-en .agd-fcol--mid li.agd-fcol__item::before { background: var(--wa-violet); 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}\n  .wa-uc-aga-data-en .agd-flow { grid-template-columns: 1fr; gap: 12px; }\n  .wa-uc-aga-data-en .agd-farrow { justify-self: center; transform: rotate(90deg); }\n}\n@media (max-width: 767px) {\n  .wa-uc-aga-data-en .agd-inner { padding: 40px 20px; }\n  .wa-uc-aga-data-en .agd-trow { grid-template-columns: 1fr; gap: 6px; }\n  .wa-uc-aga-data-en .agd-trow--h span + span { display: none; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (prefers-reduced-motion: reduce) {\n  .wa-uc-aga-data-en.is-reveal .agd-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"agd-inner\">\n  <header class=\"agd-head agd-rev\">\n    <p class=\"agd-eyebrow\"><span class=\"agd-dot\" aria-hidden=\"true\"><\/span>The data foundation<\/p>\n    <h2 class=\"agd-title\" id=\"wa-uc-aga-data-en-title\">One harmonised data layer behind every brief.<\/h2>\n    <p class=\"agd-lead\">1 + 1 is more than 2: fragmented input data becomes a single profile the AI can reason over.<\/p>\n  <\/header>\n\n  <div class=\"agd-flow agd-rev\">\n    <div class=\"agd-fcol\">\n      <h3 class=\"agd-fcol__h\">Data sources<\/h3>\n      <ul class=\"agd-fcol__list\">\n        <li class=\"agd-fcol__item\">Open Finance \/ PSD2<\/li>\n        <li class=\"agd-fcol__item\">Wealth &amp; securities data<\/li>\n        <li class=\"agd-fcol__item\">Comparison input<\/li>\n        <li class=\"agd-fcol__item\">Master data<\/li>\n        <li class=\"agd-fcol__item\">Insurance platform<\/li>\n      <\/ul>\n    <\/div>\n    <div class=\"agd-farrow\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n    <div class=\"agd-fcol agd-fcol--mid\">\n      <h3 class=\"agd-fcol__h\">Shared data layer<\/h3>\n      <ul class=\"agd-fcol__list\">\n        <li class=\"agd-fcol__item\">Harmonised<\/li>\n        <li class=\"agd-fcol__item\">Deduplicated<\/li>\n        <li class=\"agd-fcol__item\">Continuously enriched<\/li>\n      <\/ul>\n      <p class=\"agd-fcol__note\">Updated continuously as new data arrives - every brief stays current.<\/p>\n    <\/div>\n    <div class=\"agd-farrow\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n    <div class=\"agd-fcol\">\n      <h3 class=\"agd-fcol__h\">Rich user profile<\/h3>\n      <ul class=\"agd-fcol__list\">\n        <li class=\"agd-fcol__item\">Contracts<\/li>\n        <li class=\"agd-fcol__item\">Spending profile<\/li>\n        <li class=\"agd-fcol__item\">Assets<\/li>\n        <li class=\"agd-fcol__item\">Signals<\/li>\n        <li class=\"agd-fcol__item\">AI guidance<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n\n  <div class=\"agd-table agd-rev\" role=\"table\" aria-label=\"Data layer and how it appears in the brief\">\n    <div class=\"agd-trow agd-trow--h\" role=\"row\"><span role=\"columnheader\">Data layer<\/span><span role=\"columnheader\">Appears in the brief as<\/span><\/div>\n    <div class=\"agd-trow\" role=\"row\"><span class=\"agd-trow__l\" role=\"cell\">Open Finance \/ PSD2 import<\/span><span class=\"agd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>External connections + financial overview<\/span><\/div>\n    <div class=\"agd-trow\" role=\"row\"><span class=\"agd-trow__l\" role=\"cell\">Profile &amp; contract extraction<\/span><span class=\"agd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Situation + key figures<\/span><\/div>\n    <div class=\"agd-trow\" role=\"row\"><span class=\"agd-trow__l\" role=\"cell\">Automated ratings + confidence scores<\/span><span class=\"agd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Signals &amp; opportunities<\/span><\/div>\n    <div class=\"agd-trow\" role=\"row\"><span class=\"agd-trow__l\" role=\"cell\">Comparison funnels<\/span><span class=\"agd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Next-best-action conversation occasions<\/span><\/div>\n    <div class=\"agd-trow\" role=\"row\"><span class=\"agd-trow__l\" role=\"cell\">Shared data layer (always current)<\/span><span class=\"agd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Every brief stays up to date<\/span><\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-aga-data-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); 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The result is a user profile with contracts, spending profile, assets, signals and AI guidance.\",\n  \"serviceType\": \"Financial data aggregation and harmonisation\",\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\n  \"inLanguage\": \"en\",\n  \"url\": \"https:\/\/wealthapi.eu\"\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;140635&#8243;]<div class=\"wa-section-host\" data-section=\"uc-aga-result-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-aga-result-en\" aria-labelledby=\"wa-uc-aga-result-en-title\">\n<style>\n\/* \u2500\u2500 Use Case AI-Guided Advisory \u2014 Das Ergebnis (cool surface, guide + Q&A) \u2500 *\/\n.wa-uc-aga-result-en {\n  position: relative;\n  overflow: hidden;\n  isolation: isolate;\n  color: var(--wa-ink);\n  line-height: 1.5;\n  background: var(--wa-bg-cool);\n}\n.wa-uc-aga-result-en::before,\n.wa-uc-aga-result-en::after {\n  content: \"\";\n  position: absolute;\n  z-index: -1;\n  border-radius: 50%;\n  pointer-events: none;\n  filter: blur(50px);\n}\n.wa-uc-aga-result-en::before {\n  width: 55%; aspect-ratio: 1; left: -12%; top: -30%;\n  background: radial-gradient(circle, rgba(124,125,242,.16) 0%, transparent 65%);\n  animation: age-glow-a 18s ease-in-out infinite alternate;\n}\n.wa-uc-aga-result-en::after {\n  width: 50%; aspect-ratio: 1; right: -12%; bottom: -35%;\n  background: radial-gradient(circle, rgba(19,173,223,.14) 0%, transparent 65%);\n  animation: age-glow-b 20s ease-in-out infinite alternate;\n}\n@keyframes age-glow-a { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(35%,25%) scale(1.15); } 100% { transform: translate(70%,5%) scale(.95); } }\n@keyframes age-glow-b { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(-40%,-20%) scale(1.1); } 100% { transform: translate(-75%,-5%) scale(1); } }\n\n.wa-uc-aga-result-en .age-inner {\n  max-width: 1162px;\n  margin: 0 auto;\n  padding: 80px 48px;\n}\n\n\/* \u2500\u2500 Head \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en header.age-head {\n  max-width: 700px;\n  margin: 0 auto;\n  text-align: center;\n}\n.wa-uc-aga-result-en p.age-eyebrow {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  font-size: 12px;\n  font-weight: 600;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--wa-violet-deep);\n}\n.wa-uc-aga-result-en .age-dot {\n  flex: none;\n  width: 7px;\n  height: 7px;\n  border-radius: 50%;\n  background: var(--wa-violet);\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-violet) 18%, transparent);\n}\n.wa-uc-aga-result-en h2.age-title {\n  font-family: var(--wa-font-sans);\n  font-size: clamp(29px, 3.8vw, 40px);\n  line-height: 1.09;\n  font-weight: 700;\n  letter-spacing: -.025em;\n  color: var(--wa-neutral-1100);\n  margin: 16px 0 0;\n  text-wrap: balance;\n}\n.wa-uc-aga-result-en p.age-lead {\n  font-size: 17px;\n  line-height: 1.62;\n  color: var(--wa-neutral-900);\n  margin: 16px auto 0;\n  max-width: 58ch;\n  text-wrap: pretty;\n}\n\n\/* \u2500\u2500 Two panels \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en .age-two {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 18px;\n  margin-top: 44px;\n  align-items: start;\n}\n.wa-uc-aga-result-en .age-panel {\n  background: var(--wa-white);\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  padding: 26px 24px;\n}\n.wa-uc-aga-result-en h3.age-panel__h {\n  font-family: var(--wa-font-sans);\n  font-size: 10.5px;\n  line-height: 1.4;\n  font-weight: 400;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  color: var(--wa-muted);\n  margin: 0 0 18px;\n}\n\n\/* \u2500\u2500 Conversation guide \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en ol.age-guide { counter-reset: age-g; }\n.wa-uc-aga-result-en li.age-guide__item {\n  counter-increment: age-g;\n  display: grid;\n  grid-template-columns: 26px 1fr;\n  gap: 13px;\n  padding: 11px 0;\n  border-bottom: 1px solid var(--wa-line);\n}\n.wa-uc-aga-result-en li.age-guide__item:first-child { padding-top: 0; }\n.wa-uc-aga-result-en li.age-guide__item:last-child { border-bottom: 0; padding-bottom: 0; }\n.wa-uc-aga-result-en li.age-guide__item::before {\n  content: counter(age-g);\n  width: 26px;\n  height: 26px;\n  border-radius: 8px;\n  display: grid;\n  place-items: center;\n  background: var(--wa-violet-100);\n  color: var(--wa-violet-deep);\n  font-size: 11px;\n  font-weight: 700;\n}\n.wa-uc-aga-result-en h4.age-guide__title {\n  font-family: var(--wa-font-sans);\n  font-size: 14.5px;\n  line-height: 1.4;\n  font-weight: 700;\n  letter-spacing: -.01em;\n  color: var(--wa-neutral-1100);\n}\n.wa-uc-aga-result-en p.age-guide__text {\n  font-size: 13px;\n  line-height: 1.5;\n  color: var(--wa-neutral-900);\n  margin-top: 3px;\n}\n\n\/* \u2500\u2500 Q&A accordion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en .age-qa { display: grid; gap: 10px; }\n.wa-uc-aga-result-en .age-q {\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  overflow: hidden;\n  background: var(--wa-white);\n  transition: border-color var(--wa-dur-med) var(--wa-ease-standard);\n}\n.wa-uc-aga-result-en .age-q.is-open {\n  border: 1.5px solid transparent;\n  background:\n    linear-gradient(100deg,\n      color-mix(in srgb, var(--wa-violet) 20%, var(--wa-white)) 0%,\n      color-mix(in srgb, var(--wa-violet) 10%, color-mix(in srgb, var(--wa-cyan) 8%, var(--wa-white))) 55%,\n      color-mix(in srgb, var(--wa-cyan) 12%, var(--wa-white)) 100%) padding-box,\n    linear-gradient(90deg, var(--wa-violet), var(--wa-cyan) 45%, var(--wa-cyan-200) 70%, var(--wa-sky)) border-box;\n  background-size: 100% 100%, 250% 100%;\n  animation: age-sel-border 6s linear infinite;\n  box-shadow: 0 10px 28px -16px color-mix(in srgb, var(--wa-violet) 55%, transparent);\n}\n@keyframes age-sel-border {\n  from { background-position: 0 0, 0% 0; }\n  to   { background-position: 0 0, 250% 0; }\n}\n.wa-uc-aga-result-en button.age-q__btn {\n  width: 100%;\n  display: flex;\n  align-items: flex-start;\n  gap: 12px;\n  padding: 14px 16px;\n  text-align: left;\n  background: none;\n  border: 0;\n  color: inherit;\n  font: inherit;\n  cursor: pointer;\n}\n.wa-uc-aga-result-en .age-q__t {\n  flex: 1;\n  font-size: 14px;\n  font-weight: 600;\n  line-height: 1.45;\n  color: var(--wa-neutral-1100);\n}\n.wa-uc-aga-result-en .age-q__x {\n  flex: none;\n  width: 24px;\n  height: 24px;\n  border-radius: 50%;\n  display: grid;\n  place-items: center;\n  background: var(--wa-violet-100);\n  color: var(--wa-violet-deep);\n  transition:\n    transform var(--wa-dur-med) var(--wa-ease-standard),\n    background var(--wa-dur-med) var(--wa-ease-standard);\n}\n.wa-uc-aga-result-en .age-q__x svg { width: 14px; height: 14px; }\n.wa-uc-aga-result-en .age-q.is-open .age-q__x {\n  transform: rotate(45deg);\n  background: var(--wa-violet);\n  color: var(--wa-white);\n}\n.wa-uc-aga-result-en .age-q__r {\n  display: grid;\n  grid-template-rows: 0fr;\n  transition: grid-template-rows var(--wa-dur-med) var(--wa-ease-standard);\n}\n.wa-uc-aga-result-en .age-q.is-open .age-q__r { grid-template-rows: 1fr; }\n.wa-uc-aga-result-en .age-q__in { overflow: hidden; min-height: 0; }\n.wa-uc-aga-result-en p.age-q__text {\n  padding: 0 16px 15px 52px;\n  font-size: 13.5px;\n  line-height: 1.55;\n  color: var(--wa-neutral-900);\n}\n\n\/* \u2500\u2500 Checklists \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en .age-checklist {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 18px;\n  margin-top: 18px;\n}\n.wa-uc-aga-result-en h4.age-lbl {\n  font-family: var(--wa-font-sans);\n  font-size: 10px;\n  line-height: 1.4;\n  font-weight: 400;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  color: var(--wa-muted);\n}\n.wa-uc-aga-result-en ul.age-todo {\n  display: grid;\n  gap: 7px;\n  margin-top: 8px;\n}\n.wa-uc-aga-result-en li.age-todo__item {\n  display: flex;\n  gap: 8px;\n  font-size: 13px;\n  line-height: 1.45;\n  color: var(--wa-neutral-900);\n}\n.wa-uc-aga-result-en li.age-todo__item::before {\n  content: \"\";\n  flex: none;\n  width: 11px;\n  height: 11px;\n  margin-top: 4px;\n  border: 1.5px solid var(--wa-violet-300);\n  border-radius: 2px;\n}\n\n\/* \u2500\u2500 Documentation note \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en p.age-doc {\n  display: flex;\n  align-items: center;\n  gap: 11px;\n  margin-top: 20px;\n  padding: 14px 16px;\n  border-radius: var(--wa-radius-md);\n  background: color-mix(in srgb, var(--wa-violet) 6%, var(--wa-white));\n  border: 1px solid var(--wa-violet-100);\n  font-size: 13.5px;\n  line-height: 1.5;\n  color: var(--wa-neutral-900);\n}\n.wa-uc-aga-result-en p.age-doc svg {\n  flex: none;\n  width: 18px;\n  height: 18px;\n  color: var(--wa-violet-deep);\n}\n.wa-uc-aga-result-en p.age-doc b { color: var(--wa-ink); }\n\n\/* \u2500\u2500 Scroll reveal (only once JS is running) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en.is-reveal .age-rev {\n  opacity: 0;\n  transform: translateY(16px);\n  transition: opacity .55s var(--wa-ease-standard), transform .55s var(--wa-ease-standard);\n}\n.wa-uc-aga-result-en.is-reveal .age-rev.is-in { opacity: 1; transform: none; }\n\n\/* \u2500\u2500 Theme overrides \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-result-en ul,\n.wa-uc-aga-result-en ol { list-style: none !important; padding-left: 0 !important; margin-left: 0 !important; margin-bottom: 0 !important; }\n.wa-uc-aga-result-en li { list-style: none !important; margin: 0 !important; }\n.wa-uc-aga-result-en button.age-q__btn,\n.wa-uc-aga-result-en button.age-q__btn:hover,\n.wa-uc-aga-result-en button.age-q__btn:focus,\n.wa-uc-aga-result-en button.age-q__btn:active { border: 0 !important; outline: none !important; border-radius: 0 !important; }\n.wa-uc-aga-result-en button.age-q__btn,\n.wa-uc-aga-result-en button.age-q__btn:hover,\n.wa-uc-aga-result-en button.age-q__btn:focus {\n  background: none !important;\n  color: inherit !important;\n  box-shadow: none !important;\n  text-transform: none !important;\n  letter-spacing: normal !important;\n}\n.wa-uc-aga-result-en button.age-q__btn:focus-visible { box-shadow: inset 0 0 0 2px var(--wa-violet) !important; }\n.wa-uc-aga-result-en h2.age-title {\n  font-size: clamp(29px, 3.8vw, 40px) !important;\n  line-height: 1.09 !important;\n  color: var(--wa-neutral-1100) !important;\n}\n.wa-uc-aga-result-en h3.age-panel__h { font-size: 10.5px !important; color: var(--wa-muted) !important; }\n.wa-uc-aga-result-en h4.age-guide__title { font-size: 14.5px !important; color: var(--wa-neutral-1100) !important; }\n.wa-uc-aga-result-en h4.age-lbl { font-size: 10px !important; color: var(--wa-muted) !important; }\n\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (max-width: 1080px) {\n  .wa-uc-aga-result-en .age-inner { padding: 64px 32px; }\n  .wa-uc-aga-result-en .age-two { grid-template-columns: 1fr; }\n}\n@media (max-width: 767px) {\n  .wa-uc-aga-result-en .age-inner { padding: 40px 20px; }\n  .wa-uc-aga-result-en .age-panel { padding: 22px 18px; }\n  .wa-uc-aga-result-en .age-checklist { grid-template-columns: 1fr; }\n  .wa-uc-aga-result-en p.age-q__text { padding-left: 16px; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (prefers-reduced-motion: reduce) {\n  .wa-uc-aga-result-en::before,\n  .wa-uc-aga-result-en::after,\n  .wa-uc-aga-result-en .age-q.is-open { animation: none; }\n  .wa-uc-aga-result-en .age-q,\n  .wa-uc-aga-result-en .age-q__x,\n  .wa-uc-aga-result-en .age-q__r { transition: none; }\n  .wa-uc-aga-result-en.is-reveal .age-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"age-inner\">\n  <header class=\"age-head age-rev\">\n    <p class=\"age-eyebrow\"><span class=\"age-dot\" aria-hidden=\"true\"><\/span>The result<\/p>\n    <h2 class=\"age-title\" id=\"wa-uc-aga-result-en-title\">From data to a guided conversation.<\/h2>\n    <p class=\"age-lead\">The brief doesn\u2019t stop at numbers. It structures the meeting, anticipates the client and closes the loop afterwards.<\/p>\n  <\/header>\n\n  <div class=\"age-two age-rev\">\n    <div class=\"age-panel\">\n      <h3 class=\"age-panel__h\">Conversation guide<\/h3>\n      <ol class=\"age-guide\">\n        <li class=\"age-guide__item\"><div><h4 class=\"age-guide__title\">Warm-up &amp; relationship<\/h4><p class=\"age-guide__text\">Pick up on family, business and the last contact.<\/p><\/div><\/li>\n        <li class=\"age-guide__item\"><div><h4 class=\"age-guide__title\">Needs analysis<\/h4><p class=\"age-guide__text\">Goals, time horizon, liquidity needs, risk appetite.<\/p><\/div><\/li>\n        <li class=\"age-guide__item\"><div><h4 class=\"age-guide__title\">Mirror the signals<\/h4><p class=\"age-guide__text\">Present the fixed deposit, concentration and inheritance as the client\u2019s own data.<\/p><\/div><\/li>\n        <li class=\"age-guide__item\"><div><h4 class=\"age-guide__title\">Scenario &amp; numbers<\/h4><p class=\"age-guide__text\">Model a diversified allocation for \u2248 \u20ac860k of capital.<\/p><\/div><\/li>\n        <li class=\"age-guide__item\"><div><h4 class=\"age-guide__title\">Risk &amp; protection<\/h4><p class=\"age-guide__text\">Review concentration risk and insurance cover together.<\/p><\/div><\/li>\n        <li class=\"age-guide__item\"><div><h4 class=\"age-guide__title\">Next steps<\/h4><p class=\"age-guide__text\">Agree on a written proposal and a follow-up within three weeks.<\/p><\/div><\/li>\n      <\/ol>\n    <\/div>\n\n    <div class=\"age-panel\">\n      <h3 class=\"age-panel__h\">Anticipated questions<\/h3>\n      <div class=\"age-qa\" data-age-qa>\n        <div class=\"age-q is-open\">\n          <button type=\"button\" class=\"age-q__btn\" id=\"age-q-1-btn\" aria-expanded=\"true\" aria-controls=\"age-q-1\"><span class=\"age-q__t\">\u201cHow much should I keep liquid?\u201d<\/span><span class=\"age-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"age-q__r\" id=\"age-q-1\" role=\"region\" aria-labelledby=\"age-q-1-btn\"><div class=\"age-q__in\"><p class=\"age-q__text\">6-12 months of expenses plus short-term plans; the rest can work harder in a diversified allocation.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"age-q\">\n          <button type=\"button\" class=\"age-q__btn\" id=\"age-q-2-btn\" aria-expanded=\"false\" aria-controls=\"age-q-2\"><span class=\"age-q__t\">\u201cIsn\u2019t this the wrong time to reduce my employer shares?\u201d<\/span><span class=\"age-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"age-q__r\" id=\"age-q-2\" role=\"region\" aria-labelledby=\"age-q-2-btn\"><div class=\"age-q__in\"><p class=\"age-q__text\">Reducing concentration is a question of risk, not timing - a phased approach lowers single-stock risk and preserves upside.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"age-q\">\n          <button type=\"button\" class=\"age-q__btn\" id=\"age-q-3-btn\" aria-expanded=\"false\" aria-controls=\"age-q-3\"><span class=\"age-q__t\">\u201cWhat happens to the fixed deposit at maturity?\u201d<\/span><span class=\"age-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"age-q__r\" id=\"age-q-3\" role=\"region\" aria-labelledby=\"age-q-3-btn\"><div class=\"age-q__in\"><p class=\"age-q__text\">It can move into the agreed model portfolio in July - or stay liquid if plans change.<\/p><\/div><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"age-checklist\">\n        <div>\n          <h4 class=\"age-lbl\">Before the meeting<\/h4>\n          <ul class=\"age-todo\">\n            <li class=\"age-todo__item\">Pull statements for the \u20ac640k securities account.<\/li>\n            <li class=\"age-todo__item\">Prepare a diversified model allocation (\u2248 \u20ac860k).<\/li>\n            <li class=\"age-todo__item\">Request consent for the locked direct bank account.<\/li>\n          <\/ul>\n        <\/div>\n        <div>\n          <h4 class=\"age-lbl\">After the meeting<\/h4>\n          <ul class=\"age-todo\">\n            <li class=\"age-todo__item\">File structured notes in the client record.<\/li>\n            <li class=\"age-todo__item\">Send a personalised proposal within 48 hours.<\/li>\n            <li class=\"age-todo__item\">Schedule a follow-up review in three weeks.<\/li>\n          <\/ul>\n        <\/div>\n      <\/div>\n\n      <p class=\"age-doc\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M9 12l2 2 4-4M7 3h10a2 2 0 012 2v14a2 2 0 01-2 2H7a2 2 0 01-2-2V5a2 2 0 012-2z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><span><b>Documented by default.<\/b> The full brief and the meeting notes are written back to the client record - structured for audit, suitability and compliance.<\/span><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-aga-result-en');\n  if (!roots.length) return;\n\n  Array.prototype.forEach.call(roots, function (root, idx) {\n    \/* Unique ids when the section appears more than once on a page *\/\n    if (idx > 0) {\n      Array.prototype.forEach.call(root.querySelectorAll('[id^=\"age-q-\"]'), function (el) { el.id = el.id + '-' + idx; 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gap: 7px; margin-top: 9px; }\n.wa-uc-aga-app-en .aga-pill2 span {\n  padding: 7px 12px;\n  border-radius: var(--wa-radius-pill);\n  font-size: 11px;\n  font-weight: 700;\n}\n.wa-uc-aga-app-en .aga-pill2__y { background: var(--wa-violet); color: var(--wa-white); }\n.wa-uc-aga-app-en .aga-pill2__n {\n  background: var(--wa-bg-cool);\n  border: 1px solid var(--wa-line);\n  color: var(--wa-neutral-900);\n}\n\n\/* Screen animation *\/\n.wa-uc-aga-app-en .aga-scr .is-anim { animation: aga-scr-in .5s cubic-bezier(.2,.7,.3,1) both; }\n.wa-uc-aga-app-en .aga-scr .aga-bub.is-anim { animation-name: aga-bub-in; animation-duration: .42s; }\n@keyframes aga-scr-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }\n@keyframes aga-bub-in { from { opacity: 0; transform: scale(.85) translateY(6px); } to { opacity: 1; transform: none; } }\n\n\/* \u2500\u2500 Scroll reveal (only once JS is running) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-aga-app-en.is-reveal .aga-rev {\n  opacity: 0;\n  transform: translateY(16px);\n  transition: opacity .55s var(--wa-ease-standard), transform .55s var(--wa-ease-standard);\n}\n.wa-uc-aga-app-en.is-reveal .aga-rev.is-in { opacity: 1; 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background: var(--wa-white) !important; }\n.wa-uc-aga-app-en button.aga-tab.is-active,\n.wa-uc-aga-app-en button.aga-tab.is-active:focus { border: 1.5px solid transparent !important; }\n.wa-uc-aga-app-en button.aga-tab {\n  color: inherit !important;\n  text-transform: none !important;\n  letter-spacing: normal !important;\n  font-weight: 400 !important;\n}\n.wa-uc-aga-app-en h2.aga-title {\n  font-size: clamp(29px, 3.8vw, 40px) !important;\n  line-height: 1.09 !important;\n  color: var(--wa-neutral-1100) !important;\n}\n\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (max-width: 1080px) {\n  .wa-uc-aga-app-en .aga-inner { padding: 64px 32px; }\n  .wa-uc-aga-app-en .aga-app { grid-template-columns: 1fr; gap: 36px; }\n  .wa-uc-aga-app-en .aga-phone { order: -1; }\n}\n@media (max-width: 767px) {\n  .wa-uc-aga-app-en .aga-inner { padding: 40px 20px; }\n  .wa-uc-aga-app-en button.aga-tab { padding: 16px; }\n  .wa-uc-aga-app-en .aga-phone { width: 100%; max-width: 320px; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (prefers-reduced-motion: reduce) {\n  .wa-uc-aga-app-en button.aga-tab.is-active,\n  .wa-uc-aga-app-en .aga-scr .is-anim { animation: none; }\n  .wa-uc-aga-app-en button.aga-tab,\n  .wa-uc-aga-app-en .aga-tab__ic,\n  .wa-uc-aga-app-en .aga-prog__f { transition: none; }\n  .wa-uc-aga-app-en.is-reveal .aga-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"aga-inner\">\n  <header class=\"aga-head aga-rev\">\n    <p class=\"aga-eyebrow\"><span class=\"aga-dot\" aria-hidden=\"true\"><\/span>For your clients<\/p>\n    <h2 class=\"aga-title\" id=\"wa-uc-aga-app-en-title\">The same data foundation, in the client\u2019s hands.<\/h2>\n    <p class=\"aga-lead\">What prepares the advisor makes the client app proactive: contract checks, advice via chat, investable income and goals - all from one profile.<\/p>\n  <\/header>\n\n  <div class=\"aga-app aga-rev\" data-aga-app>\n    <div class=\"aga-tabs\" role=\"tablist\" aria-label=\"App features\">\n      <button type=\"button\" class=\"aga-tab is-active\" role=\"tab\" id=\"aga-tab-vertraege\" aria-selected=\"true\" aria-controls=\"aga-screen\" data-aga-tab=\"vertraege\">\n        <span class=\"aga-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M8 3h8a2 2 0 012 2v14a2 2 0 01-2 2H8a2 2 0 01-2-2V5a2 2 0 012-2zM9 8h6M9 12h6M9 16h3\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"aga-tab__name\">Contracts<\/span><span class=\"aga-tab__desc\">Every contract checked and compared.<\/span>\n        <span class=\"aga-tab__list\"><span class=\"aga-tab__li\">All policies, premiums and documents in one place<\/span><span class=\"aga-tab__li\">AI flags overpriced cover and gaps<\/span><span class=\"aga-tab__li\">Comparison finds matching plans - same cover, lower premium<\/span><\/span><\/span>\n      <\/button>\n      <button type=\"button\" class=\"aga-tab\" role=\"tab\" id=\"aga-tab-beratung\" aria-selected=\"false\" aria-controls=\"aga-screen\" tabindex=\"-1\" data-aga-tab=\"beratung\">\n        <span class=\"aga-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M21 12a8 8 0 01-8 8H7l-4 3V12a8 8 0 018-8h2a8 8 0 018 8z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"aga-tab__name\">Advice<\/span><span class=\"aga-tab__desc\">Your advisor, in the app.<\/span>\n        <span class=\"aga-tab__list\"><span class=\"aga-tab__li\">Faster exchange without an appointment<\/span><span class=\"aga-tab__li\">Proactive nudges as soon as the data shows an opportunity<\/span><span class=\"aga-tab__li\">Two-way data stream - both see the same live picture<\/span><\/span><\/span>\n      <\/button>\n      <button type=\"button\" class=\"aga-tab\" role=\"tab\" id=\"aga-tab-geld\" aria-selected=\"false\" aria-controls=\"aga-screen\" tabindex=\"-1\" data-aga-tab=\"geld\">\n        <span class=\"aga-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3 17l5-5 4 3 5-7 4 4M3 21h18\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"aga-tab__name\">Money<\/span><span class=\"aga-tab__desc\">See what\u2019s investable.<\/span>\n        <span class=\"aga-tab__list\"><span class=\"aga-tab__li\">Complete investment overview across all accounts<\/span><span class=\"aga-tab__li\">Automatic budgeting: income vs. expenses<\/span><span class=\"aga-tab__li\">Investable income becomes visible - the natural advisory occasion<\/span><\/span><\/span>\n      <\/button>\n      <button type=\"button\" class=\"aga-tab\" role=\"tab\" id=\"aga-tab-ziele\" aria-selected=\"false\" aria-controls=\"aga-screen\" tabindex=\"-1\" data-aga-tab=\"ziele\">\n        <span class=\"aga-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 3a9 9 0 100 18 9 9 0 000-18zM12 8a4 4 0 100 8 4 4 0 000-8zM12 11.5a.5.5 0 100 1 .5.5 0 000-1z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"aga-tab__name\">Goals<\/span><span class=\"aga-tab__desc\">Set goals. Watch them grow.<\/span>\n        <span class=\"aga-tab__list\"><span class=\"aga-tab__li\">Target amount and date for everything that matters<\/span><span class=\"aga-tab__li\">Live progress with every balance change<\/span><span class=\"aga-tab__li\">Retirement planning - visible years ahead<\/span><\/span><\/span>\n      <\/button>\n    <\/div>\n\n    <div class=\"aga-phone\">\n      <div class=\"aga-scr\" role=\"tabpanel\" id=\"aga-screen\" aria-labelledby=\"aga-tab-vertraege\" tabindex=\"0\">\n        <div class=\"aga-scr__top\" aria-hidden=\"true\"><span>9:41<\/span><span>Partner App<\/span><\/div>\n        <div class=\"aga-scr__hd\" data-aga-hd><b>Your contracts<\/b><span>3 policies \u00b7 \u20ac94\/month total<\/span><\/div>\n        <div class=\"aga-scr__bd\" data-aga-bd>\n          <div class=\"aga-ai\"><div class=\"aga-ai__t\">AI optimisation<\/div><p class=\"aga-ai__p\">Your liability insurance is ~\u20ac60\/year above comparable plans.<\/p><\/div>\n          <div class=\"aga-li aga-li--warn\"><span class=\"aga-li__dot aga-li__dot--warn\"><\/span><span class=\"aga-li__nm\"><b>Liability<\/b><span>Can be optimised<\/span><\/span><span class=\"aga-li__am\">\u20ac12\/mo.<\/span><\/div>\n          <div class=\"aga-li\"><span class=\"aga-li__dot\"><\/span><span class=\"aga-li__nm\"><b>Home contents<\/b><span>Well priced<\/span><\/span><span class=\"aga-li__am\">\u20ac18\/mo.<\/span><\/div>\n          <div class=\"aga-li\"><span class=\"aga-li__dot\"><\/span><span class=\"aga-li__nm\"><b>Car<\/b><span>Well priced<\/span><\/span><span class=\"aga-li__am\">\u20ac64\/mo.<\/span><\/div>\n        <\/div>\n        <div class=\"aga-scr__nav\" data-aga-nav aria-hidden=\"true\"><span class=\"is-on\">Contracts<\/span><span>Money<\/span><span>Compare<\/span><span>Advisor<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-aga-app-en');\n  if (!roots.length) return;\n  var reduce = window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches;\n\n  var ARR = '<svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>';\n  function li(name, sub, am, mod) {\n    mod = mod || {};\n    return '<div class=\"aga-li' + (mod.warn ? ' aga-li--warn' : '') + '\">' +\n      (mod.dot ? '<span class=\"aga-li__dot' + (mod.warn ? ' aga-li__dot--warn' : '') + '\"><\/span>' : '') +\n      '<span class=\"aga-li__nm\"><b>' + name + '<\/b><span>' + sub + '<\/span><\/span>' +\n      (mod.tag || '') +\n      (am ? '<span class=\"aga-li__am' + (mod.pos ? ' aga-li__am--pos' : '') + '\">' + am + '<\/span>' : '') +\n      '<\/div>';\n  }\n  function prog(w, done) {\n    return '<div class=\"aga-prog\"><div class=\"aga-prog__t\"><div class=\"aga-prog__f' + (done ? ' aga-prog__f--done' : '') + '\" style=\"--w:' + w + '\"><\/div><\/div><\/div>';\n  }\n\n  var SCREENS = {\n    vertraege: {\n      hd: ['Your contracts', '3 policies \u00b7 \u20ac94\/month total'],\n      nav: ['Contracts', 'Money', 'Compare', 'Advisor'], navOn: 0,\n      bd: '<div class=\"aga-ai\"><div class=\"aga-ai__t\">AI optimisation<\/div><p class=\"aga-ai__p\">Your liability insurance is ~\u20ac60\/year above comparable plans.<\/p><span class=\"aga-ai__go\">Compare now ' + ARR + '<\/span><\/div>' +\n          li('Liability', 'Can be optimised', '\u20ac12\/mo.', { dot: 1, warn: 1 }) +\n          li('Home contents', 'Well priced', '\u20ac18\/mo.', { dot: 1 }) +\n          li('Car', 'Well priced', '\u20ac64\/mo.', { dot: 1 }) +\n          '<div class=\"aga-lbl aga-lbl--gap\">Better matches \u00b7 same cover<\/div>' +\n          li('Provider D', 'Same cover \u00b7 Rating A', '\u20ac84\/yr', { tag: '<span class=\"aga-tag aga-tag--bm\">Best Match<\/span>' }) +\n          li('Provider E', 'Same cover \u00b7 Rating A', '\u20ac108\/yr', { tag: '<span class=\"aga-tag aga-tag--ok\">\u2212\u20ac36\/yr<\/span>' })\n    },\n    beratung: {\n      hd: ['Your advisor', 'Online \u00b7 usually replies right away'],\n      nav: ['Contracts', 'Money', 'Goals', 'Advisor'], navOn: 3,\n      bd: '<div class=\"aga-chat\">' +\n            '<div class=\"aga-bub aga-bub--a\">Morning, Daniel. Your fixed deposit matures in July - worth a quick look at the options?<\/div>' +\n            '<div class=\"aga-bub aga-bub--u\">Yes - can we do it this week?<\/div>' +\n          '<\/div>' +\n          '<div class=\"aga-ai\"><div class=\"aga-ai__t\">Proactive nudge<\/div><p class=\"aga-ai__p\">\u20ac1,200 sat idle last month. Add it to your ETF savings plan?<\/p><div class=\"aga-pill2\"><span class=\"aga-pill2__y\">Yes, adjust<\/span><span class=\"aga-pill2__n\">Not now<\/span><\/div><\/div>' +\n          li('Balances synced', 'just now', '', { dot: 1 })\n    },\n    geld: {\n      hd: ['This month', 'May 2026'],\n      nav: ['Contracts', 'Money', 'Goals', 'Advisor'], navOn: 1,\n      bd: '<div class=\"aga-lbl\">Cash flow \u00b7 tracked automatically<\/div>' +\n          '<div class=\"aga-row2\"><span class=\"aga-row2__k\">Income<\/span><span class=\"aga-row2__v\">\u20ac8,400<\/span><\/div>' +\n          '<div class=\"aga-row2\"><span class=\"aga-row2__k\">Expenses<\/span><span class=\"aga-row2__v\">\u20ac6,600<\/span><\/div>' +\n          '<div class=\"aga-big\"><div class=\"aga-big__k\">Could be invested<\/div><div class=\"aga-big__v\">\u20ac1,800\/mo.<\/div><div class=\"aga-big__s\">Left over after expenses - put it to work automatically.<\/div><\/div>' +\n          '<div class=\"aga-lbl aga-lbl--gap\">Investments<\/div>' +\n          li('Portfolio value', 'all accounts consolidated', '\u20ac312,400') +\n          li('This month', 'Performance', '+2.4%', { dot: 1, pos: 1 })\n    },\n    ziele: {\n      hd: ['Your goals', '3 active'],\n      nav: ['Contracts', 'Money', 'Goals', 'Advisor'], navOn: 2,\n      bd: '<div class=\"aga-big\"><div class=\"aga-big__k\">Retirement<\/div><div class=\"aga-big__v\">\u20ac420k<\/div><div class=\"aga-big__s\">of \u20ac750k \u00b7 on track for 2041<\/div>' + prog('56%') + '<\/div>' +\n          li('Home down payment', '\u20ac68k of \u20ac120k', '57%') +\n          prog('57%') +\n          li('Emergency fund', '\u20ac30k of \u20ac30k', '', { tag: '<span class=\"aga-tag aga-tag--ok\">Reached<\/span>' }) +\n          prog('100%', true)\n    }\n  };\n\n  Array.prototype.forEach.call(roots, function (root, idx) {\n    \/* Unique ids when the section appears more than once on a page *\/\n    if (idx > 0) {\n      Array.prototype.forEach.call(root.querySelectorAll('[id^=\"aga-\"]'), function (el) { el.id = el.id + '-' + idx; });\n      ['aria-controls', 'aria-labelledby'].forEach(function (attr) {\n        Array.prototype.forEach.call(root.querySelectorAll('[' + attr + '^=\"aga-\"]'), function (el) { el.setAttribute(attr, el.getAttribute(attr) + '-' + idx); });\n      });\n    }\n\n    var app = root.querySelector('[data-aga-app]');\n    if (!app) return;\n    var scr = app.querySelector('.aga-scr');\n    var hd = app.querySelector('[data-aga-hd]');\n    var bd = app.querySelector('[data-aga-bd]');\n    var nav = app.querySelector('[data-aga-nav]');\n    var tabs = Array.prototype.slice.call(app.querySelectorAll('button.aga-tab'));\n    if (!scr || !hd || !bd || !nav || !tabs.length) return;\n    var cur = 0, timer = null, manual = false;\n\n    function paint(key) {\n      var s = SCREENS[key];\n      if (!s) return;\n      hd.innerHTML = '<b>' + s.hd[0] + '<\/b><span>' + s.hd[1] + '<\/span>';\n      bd.innerHTML = s.bd;\n      nav.innerHTML = s.nav.map(function (n, i) { return '<span' + (i === s.navOn ? 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}\n  .wa-uc-aga-why-now-en .agw-stat__n { font-size: 36px; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (prefers-reduced-motion: reduce) {\n  .wa-uc-aga-why-now-en::before,\n  .wa-uc-aga-why-now-en::after { animation: none; }\n  .wa-uc-aga-why-now-en li.agw-stat { transition: none; }\n  .wa-uc-aga-why-now-en.is-reveal .agw-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"agw-inner\">\n  <header class=\"agw-head agw-rev\">\n    <p class=\"agw-eyebrow\"><span class=\"agw-dot\" aria-hidden=\"true\"><\/span>Why now<\/p>\n    <h2 class=\"agw-title\" id=\"wa-uc-aga-why-now-en-title\">The clients you want are ready to share their data.<\/h2>\n    <p class=\"agw-lead\">Data sharing is not a mass phenomenon - it is concentrated in exactly the segment wealth advisors value most: younger, higher-earning, with the most fragmented finances and the highest lifetime value.<\/p>\n  <\/header>\n\n  <ul class=\"agw-stats agw-rev\">\n    <li class=\"agw-stat\">\n      <div class=\"agw-stat__n\">54%<\/div>\n      <h3 class=\"agw-stat__title\">are willing to share financial data<\/h3>\n      <p class=\"agw-stat__text\">Under the right conditions - 17% of them unconditionally.<\/p>\n    <\/li>\n    <li class=\"agw-stat\">\n      <div class=\"agw-stat__n\">5<span class=\"agw-stat__u\">\u00d7<\/span><\/div>\n      <h3 class=\"agw-stat__title\">stronger interest among young adults<\/h3>\n      <p class=\"agw-stat__text\">18-34-year-olds show five times as much interest as the 55+ group - Open Finance is a Gen Z topic.<\/p>\n    <\/li>\n    <li class=\"agw-stat\">\n      <div class=\"agw-stat__n\">18-44<\/div>\n      <h3 class=\"agw-stat__title\">&amp; &gt; \u20ac3,000 net \/ month<\/h3>\n      <p class=\"agw-stat__text\">The core target group: already uses more finance apps, more willing to switch, attractive lifetime value.<\/p>\n    <\/li>\n  <\/ul>\n\n  <ul class=\"agw-chips agw-rev\" aria-label=\"Key conditions for sharing financial data\">\n    <li class=\"agw-chip\">78% <b>data security<\/b><\/li>\n    <li class=\"agw-chip\">69% <b>no extra costs<\/b><\/li>\n    <li class=\"agw-chip\">68% <b>trustworthy provider<\/b><\/li>\n  <\/ul>\n  <p class=\"agw-src agw-rev\">Source: KPMG, \u201cOpen Finance und FiDA im Retail-Gesch\u00e4ft\u201d, 2025 - representative survey of 3,000+ German consumers, June 2025.<\/p>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-aga-why-now-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); 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