Joans — the operating model
The client journey (Discover, Onboard, Invest, Serve, Review and report, Next generation) with five firm-owned services on their stages; a table-stakes strip covering every step; the engine — two dials, three modes, where Modes 1 and 2 wrap around the human and Mode 3 holds a job; the Microsoft Frontier foundation owned by the firm; and the trust layer that governs all of it.
Joans — the operating model
How an advisory firm becomes AI-first — the everyday work around the human, the work AI-ops builds, and the services along the client journey.
THE CLIENT JOURNEY — THE PRODUCT
Discover
→
Onboard
→
Invest
→
Serve
→
Review & report
→
Next generation
2 · Advisor Cockpit
4 · Values Onboarding
5 · Values Portfolios
1 · Verified Impact
3 · Next-Gen Engagement
table stakes, perfected
TABLE STAKES — EVERY STEP COVERED, NOTHING MISSED
meeting prep & follow-ups · commitments tracked · capital calls, wires & tax docs · quarterly reporting · documents & records · the client portal
THE ENGINE — TWO DIALS, THREE MODES (ALL FEED THE JOURNEY ↑)
MODE 1 · EVERY DAY
You drive it
Live — you steer every turn.
Chat → + project → + your capabilities.
“What did we promise the Hendersons?”
Microsoft 365 Copilot — already there
MODE 2 · SET & FORGET
It runs your recipes
Saved recipes fire without you.
Triggered by you, the clock, or an event.
“Before every meeting: prep me.”
Copilot Cowork
MODE 3 · GOVERNED
It holds a job
A digital worker with a role.
Gathers, acts, checks, escalates.
“Watch the inbox for capital calls.”
Where Joans's services live.
Built & governed by AI-ops
WRAPPED AROUND THE HUMAN
BUILT BY AI-OPS
The Microsoft Frontier foundation — owned by the firm
SECURITY & GOVERNANCE
Microsoft 365 Copilot · Copilot Cowork (governed Anthropic models) · Agent 365 — identity, audit, governance · Work IQ
Your systems of record — custodians · portfolio · impact data · CRM. Client data stays the firm's.
THE TRUST LAYER
7 data classes (values data is the most sensitive) · identity + audit on every digital worker · humans approve consequential actions · the more it can touch, the tighter it's governed
Humans make every investment decision; AI prepares, checks, and keeps the audit trail.
The model is rented; the middle is owned.
Joans · joans.co
One page, three reads. The client journey is the product, with the five firm-owned services hung on their stages. The engine shows the two dials and three modes — Modes 1 & 2 wrap around the human (what every advisor does), Mode 3 is built by AI-ops (where Joans's services live). The foundation is the Microsoft Frontier stack the firm owns, and the trust layer governs all of it.