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Book a 15-min case demo
APANA ADVISOR

Produce sourced wealth recommendations in 10 minutes.

Advisor turns existing client context into calculated, sourced and reviewable wealth recommendations, ready for advisor validation.

Book a 15-min case demoSee the workflow
Multiple scenario simulationsCompare many strategy combinations in one advisory workflow.
Sourced reasoningRecommendation logic stays linked to doctrine and assumptions.
Advisor-reviewed outputThe recommendation draft stays ready for human validation.
✦Client case

Prepare retirement in 12 years with EUR 200K available

Scenario comparison
PER + life insuranceEUR 412KCapital at 12 years
Estimated tax savingEUR 38K
Risk levelModerate
RecommendedPER + SCPI + life insuranceEUR 478KCapital at 12 years
Estimated tax savingEUR 52K
Risk levelModerate
📄Recommendation draft
Illustrated wealth recommendation PDF

Scenario comparison, fiscal reasoning, sources and validation status prepared in one client-ready note.

✓Validated by advisor
HOW IT WORKS

From client context to recommendation draft

Advisor reasons from existing client context to simulate, compare and draft.

Step 1

Start from an existing client context

Advisor uses structured client data from the advisor, Copilot or the Apana workflow.

Household, assets, objectives, existing products and constraints.
Step 2

Explore multiple advisory strategies

Advisor identifies relevant wealth, tax and financial planning options for the client case.

PER, assurance vie, SCPI, LMNP, IFI and other relevant paths.
Step 3

Simulate many scenarios

Instead of testing one or two assumptions manually, Advisor can compare many combinations of hypotheses.

Allocation, horizon, tax brackets, liquidity and suitability assumptions.
Step 4

Rank and explain the options

Advisor highlights the trade-offs, risks, fiscal impacts and suitability logic behind each scenario.

Projected capital, tax effect, risk level and recommendation logic.
Step 5

Draft the recommendation

The advisor gets a sourced, reviewable recommendation draft ready for validation.

Recommendation memo, assumptions, sources and validation status.
PRODUCT DEMO

One client case. Multiple scenarios. One recommendation workflow.

First validate a precise tax baseline. Then compare two simulations with graphs and surface a preferred scenario.

Precise tax calculationScenario simulationsSourced reasoningRecommendation draft
1. Precise calculation

Start with a high-income case and calculate the marginal tax bracket.

Advisor can start from an existing client context and compute a precise income-tax baseline before comparing strategies.

Existing client inputsStructured client data
Professional incomeEUR 86K
Rental incomeEUR 10K
DividendsEUR 4K
Taxable incomeEUR 100K

The tax baseline is explicit before moving to wealth simulations and recommendation logic.

Income tax calculationIncome tax simulator
Marginal tax bracket41%
Estimated income taxEUR 24.8K
Income in top bracketEUR 15.4K
0% bracketEUR 11.6K
EUR 0
11% bracketEUR 17.9K
EUR 2.0K
30% bracketEUR 55.0K
EUR 16.5K
41% bracketEUR 15.4K
EUR 6.3K
2. Scenario comparison

Then compare two simulations and surface a preferred path.

Advisor compares the capital trajectory, tax effect and risk profile of each strategy before drafting the recommendation.

Capital projection over 12 yearsIllustrative retirement case · existing life insurance and SCPI exposure
200K293K385K478KY0Y3Y6Y9Y12
Scenario A · PER + life insurance
Scenario B · PER + SCPI + life insurance
Scenario APER + life insurance

PER + life insurance

Capital at 12 yearsEUR 412K
Estimated tax savingEUR 38K
Risk levelModerate
Scenario BRecommended

PER + SCPI + life insurance

Capital at 12 yearsEUR 478K
Estimated tax savingEUR 52K
Risk levelModerate
Preferred scenario

Scenario B ranks first because it improves projected capital and tax effect while staying aligned with the target risk profile and liquidity constraint.

Recommendation draft ready
Projected capital EUR 478K
Estimated tax saving EUR 52K
Risk level Moderate
Sources attached
WHY ADVISOR

Why classic simulators are not enough.

Classic simulators calculate an answer. Advisor compares strategies.

Classic simulators

Built to answer one narrow question. They usually compare one or two scenarios and leave the advisor to connect the dots manually.

Manual analysis

Flexible, but slow. The advisor has to combine tools, assumptions, calculations, doctrine and client suitability by hand.

Advisor

Explores multiple strategies, runs many scenarios and turns the comparison into a sourced recommendation draft.

LIVE CASES

Bring a real advisory case.

Use one of your client cases or start with a standard advisory scenario.

Retirement planning

Projection, scenarios and recommendation.

Portfolio arbitration

Allocation review and quantified impact.

Spouse protection audit

Succession, ownership structure and gaps.

Jean Brun vs LMNP

Eligibility, fiscal comparison and recommendation logic.

Run a live case demo
TRUST AND RIGOR

Built for advice that must be reviewed and defended.

Advisor keeps the advisory work explainable, reviewable and connected to the wider Apana workflow.

Multiple scenario simulations

Advisor can compare many combinations of assumptions instead of stopping at one isolated calculation.

Sourced recommendations

Outputs can be reviewed against legal, tax and doctrine sources.

Connected to Apana workflow

Copilot structures client context, Advisor produces the recommendation, Officer supports compliant execution.

Built on Capital Explorer’s wealth expertise, legal and tax knowledge base, simulators, CRM, compliance and aggregation infrastructure.

CopilotStructures client context
AdvisorProduces the recommendation
OfficerSupports compliant execution
SEE APANA ADVISOR

See how Advisor produces a sourced recommendation in 10 minutes.

Bring a real case or use one of our standard advisory scenarios. We will show the workflow from client context to scenario comparison and recommendation draft.

Book a 15-min case demoView Apana workflow
ApanaData
APANA DATA

Turn fragmented client information into an AI-ready client context

Apana Data captures information from documents, meetings and notes, structures it into a reliable client file and makes it usable through AI.

Documents, emails and meetingsAsk your client file through AIPush actions to CRM and workflows
TALK TO YOUR DATA

Ask, verify and trigger the next action

AdvisorSuite au rendez-vous de ce jour, quels documents manquent pour ce client ?
Apana AIAvis d’imposition missing. Bulletin de salaire received. Pièce d’identité validated.
Missing document detectedClient file reviewed
AdvisorCrée une tâche pour relancer le client
Apana AITask created and client notified.
Todo createdClient notified
Structured client context
HouseholdMarried
IncomeEUR 118K
AssetsEUR 1.8M
Tax statusNeeds review
CAPTURE SOURCES

How Apana Data captures client context

Document extraction

Document extraction

Tax notice, ID and account statement become structured client data.

Is the client file complete for compliance review?

Request proof of addressUpdate CRM incomeFlag expired ID
Online meeting

Online meeting

Transcripts and remote meeting notes become reusable advisory context.

What are the key follow-ups from this meeting?

Create advisor todoPrepare summary emailAdd objective to profile
Physical meeting

Physical meeting

Advisor notes and offline exchanges feed the same structured client file.

What should I prepare before the next appointment?

Create checklistUpdate advisory notesTrigger portfolio analysis
CONNECTED WORKFLOW

The structured context powers the rest of Apana

Structured client context
CRMClient records updated
ComplianceEvidence and checks prepared
AdvisorReviewed context for recommendations
FinancePortfolio follow-up uses the same data