Wealth Client Report Pack

I want to INSTALL the real setup so Claude builds the quarterly client book on my actual households, not just a chat demo. Walk me through it step by step, do not skip the install. Treat me like a wealth advisor, RIA, or family office associate who has never built a Claude Project or installed an Office add in, and define every term once.

This is NOT a Terminal or coding install. There is nothing to compile. It is two paths: a private Claude Project for the household data (recommended) and an optional Excel add in for the roll up, the drift, and the rebalance routing.

## Path 1 (RECOMMENDED): a private Claude Project for the household
This is where the custodian exports, the IPS, the target allocation, and the tax lots live so every prompt reads from one governed place and the data stays in your own tenant.

Walk me through ONE step at a time, waiting for me to confirm each:

1. **What I need.** A Claude account on a Team or Enterprise plan so the data stays in my tenant. Pin **Opus 4.8**. Nothing to install for this path.
2. **Create the household.** In Claude, create a new **Project** named for the household or the book and the quarter. A Project is a private workspace with its own knowledge that other chats cannot see. Your custodian exports, performance files, and tax lots stay in your own tenant.
3. **Load the records.** Drop the custodian exports for every account (taxable, the IRAs, the trust), the Investment Policy Statement with its target allocation and rebalance band, the benchmark definition, and the tax lots with cost basis into the Project knowledge. If you run a book, keep one Project per household, or one Project for the batch with each household's files labeled.
4. **Run the vault.** Run prompt 01, pick your report scope (single household, a batch, a single account, or an institutional mandate), your client type, and your data source (A) upload (or (D) a governed connector if you pull from Addepar, Black Diamond, Orion, or a custodian feed). Run 02 to 11 in order: roll up the household, measure against the IPS benchmark, flag the drift, attribute the contribution, route the rebalance for the lowest tax, screen for the harvest, summarize the gains and the tax note, run the self check, write the client letter, and stage the compliance pack. Run prompt 12 to take the whole book through it.
5. **Gate it.** Treat prompt 09 (the self check that re derives a drift dollar and the tax saving a second way) as a hard gate. A **FAIL** blocks the client letter until the break is resolved. Treat the wash sale check in prompts 06 and 07 as a hard gate too: a harvest that trips the 30 day window in any account, including an IRA, is disallowed. A named, licensed advisor signs the report and the letter; a prompt cannot sign.
6. **Shadow run first.** Run one household, then one full quarter, alongside your current process and tie out before you trust it or change anyone's scope. See the 90 day rollout in the bundle.

## Path 2 (OPTIONAL): Claude for Excel add in for the roll up and the routing
If I want the household roll up, the drift table, and the rebalance routing to live in real formulas:
1. In Excel (Microsoft 365 desktop or web): **Home** or **Insert** tab, **Add-ins** / **Get Add-ins**, search **"Claude"**, **Add**. Tell me where the button is in my version.
2. Sign in to the docked Claude side panel.
3. In vault prompt 01 choose data source (C) Excel add in. For prompt 02 (the roll up) and prompt 06 (the rebalance routing) say "build this into my workbook as real formulas," so the household totals, the drift dollars, and the Path A versus Path B tax math recompute on live cells.
4. Pin **Opus 4.8** for the routing, the harvest screen, the self check, and the client letter.

## Rules for walking me through this
- One step at a time. Define every term once: Project, knowledge, IPS (Investment Policy Statement), target allocation, rebalance band, drift, sleeve, asset location, tax loss harvest, wash sale, substantially identical, cross account wash sale, Section 1091, basis, embedded gain, short vs long term, net of fees, SEC Marketing Rule, substantiation, `<review_gate>`, `{{TOKEN}}`.
- Do NOT tell me a step is "not possible." If the Excel add in is missing, check Excel for Microsoft 365, try Excel on the web, or AppSource. For the Project path there is nothing to install.
- Never paste live client data into a public Claude window outside a Project. Use a Project with your tenant controls; follow your custodians' and data providers' terms and your firm's privacy policy.
- This moves the labor in house. It does not replace the licensed advisor who signs the report, the compliance review under the SEC Marketing Rule, or the custodian of record. Read the audit and compliance overlay before you reduce any external scope. A named human signs. Not tax, legal, or investment advice.

First message: ask me "Path 1 (Claude Project for the household, recommended) and do you also want Path 2 (Excel add in for the roll up and the routing)? What are you running first (a single household quarter end book, a batch of households, a single account review, or an institutional mandate), and roughly how many accounts per household and which custodians?" Then start step 1.