Thornton Family
Risk Score increased to 78 — family briefing overdue
For Private Banks
Your clients' heirs don't want their parents' bank. They want their first bank.
Private banks are losing the next-generation war to fintechs and boutique firms — not because of returns, but because of relationship. Heritance is the scalable differentiation your bankers need.
Scalable Differentiation and Tech Modernization
The next-generation war is a relationship war. You are losing it.
Boutique firms and fintechs are capturing your clients' children at a pace private banks cannot match. Not because they're better — because they feel modern. They have apps. They have education. They have voice.
Heritance is the plug-and-play Intergenerational Desk that brings 'tech-forward' credibility to every banker in your network. AI-driven engagement tools, digital vaults, branded heir portals — all built to scale across thousands of banker-client relationships simultaneously.
The Pain
The Solution
Being 'old fashioned'
Digital Engagement and Scale
Losing heirs to fintechs
Consumer-grade heir experience under your brand
Banker bandwidth at scale
Automated engagement and morning intelligence
Compliance complexity
Built-in audit trail across every interaction
advisor.tryheritance.com
Good morning, Sarah
Urgent
Clarke Household
No heir engagement in 45 days
Engagement
James Harrington
Completed Module 4 — Estate Planning
Sophia Sterling
Set a new goal: First home purchase
Alexandra Cavendish
Added sustainable investing to preferences
Wins
Oliver Pemberton turned 25 yesterday
Personal note sent via automated birthday workflow.
3 other items in your queue →
Feature One
Build the Intergenerational Desk your competitors haven't.
The Intergenerational Desk is a dedicated Heritance module for private banks — purpose-built for institutional scale. Every banker sees every heir relationship. Every firm leader sees every banker's engagement level. Every audit shows exactly what was done and when.
- Banker cockpit with full book visibility
- Firm-wide engagement analytics
- Institutional-grade permissioning
advisor.tryheritance.com/households/thornton
Thornton Household
Primary Client
Robert Thornton, 72
Spouse: Margaret Thornton, 70
Heirs
James Thornton, 45
Sophia Thornton, 38
AUM
$12.4M
78/ 100
Risk Score
+12 last month
Risk Breakdown
Last updated 2 hours ago
Advisor-Heir Age Gap27 years
High
Heir Engagement (last 30 days)2 interactions
Moderate
Family Briefing (last held)11 months ago
High
Relationship Depth3 / 10
High
Risk Score — last 6 months
Suggested Actions
- Schedule family briefing within 30 days
- Invite James to portal
- Assign junior advisor for age-gap bridge
Feature Two
The intelligence layer your bankers can't build themselves.
Heritance's AI surfaces engagement opportunities across every banker's book simultaneously — flagging birthdays, interest changes, academy completions, and risk signals. Your bankers stop missing moments. Your bank stops losing families.
- Firm-wide AI intelligence across every book
- Cross-book pattern recognition
- Automated outreach suggestions per banker
The Relationship War
The next generation is choosing their bank right now.
Private banks that win the next decade will be the ones with purpose-built infrastructure for the generation that will control trillions.
Digital Vault
Encrypted · Bank-grade security
Your documents
24 itemsFamily Trust Agreement.pdf
Updated March 15, 2026
Investment Policy Statement.pdf
Updated February 8, 2026
Insurance Policies 2026.pdf
Updated January 12, 2026
Estate Plan Overview.pdf
Updated December 3, 2025
Heir access
JT
James Thornton
Has access to 8 documents
ST
Sophia Thornton
Has access to 6 documents
Feature Three
Consumer-grade technology. Institutional-grade security.
The heir experience is built to feel like the best consumer apps — mobile-first, intuitive, genuinely useful. Behind it sits encryption, audit trails, and compliance infrastructure private banks require.
- Mobile-first heir portal
- Encrypted digital document vault
- SOC 2 compliant architecture
The Playbook
The plays that win the next generation of clients.
Offense for acquiring the heir. Defense for keeping them.
The Offensive Playbook
Four plays to win the next generation at institutional scale.
Play 01
Become their first bank
Invite every heir onto Heritance before they graduate university. When they earn their first paycheck, you're the only bank they know.
Play 02
Scale social alpha
Social alpha — the relationship capital bankers build through personal contact — doesn't scale without technology. Heritance makes it institutional.
Play 03
Own the narrative
Every heir interaction through Heritance reinforces your bank's brand as modern, considered, and next-gen ready.
Play 04
Convert before inheritance
The best private bank relationships begin 10+ years before any transfer event. Heritance makes that structurally possible at scale.
The Defensive Playbook
Four plays to stop the bleed.
Play 01
Assess your next-gen exposure
What percentage of your book's AUM sits with clients aged 65+? That's your decade-out retention risk.
Play 02
Close the digital gap
Heirs will judge your bank by the experience you deliver. Match what they're already using.
Play 03
Standardise engagement
Inconsistent banker behaviour is your largest retention risk. Heritance provides the playbook every banker follows.
Play 04
Deploy fast, expand faster
The Intergenerational Desk goes live in weeks. Every week without it is another week of heir attrition.
Scale across regions
Deploy globally with region-specific configurations and compliance frameworks.
Deploy in weeks
The Intergenerational Desk integrates without replacing your existing infrastructure.
Win next-generation
The private banks that win the great transfer are the ones that feel next-generation.
Ready to win the next generation?
Book a demo and see how the Intergenerational Desk works inside a private bank.