Ontology for Insurance and Wealth Planning domain within the Prism knowledge graph platform. Covers clients, households, advisors, wealth plans, goals, financial accounts, assets, liabilities, insurance products, documents, and provenance metadata. Aligned with FIBO (Financial Industry Business Ontology) where applicable.
Prism Wealth Planning Ontology v1.0.0 — design-approved, not yet in production.
A natural person or legal entity that is the primary beneficiary of wealth-planning services and whose financial profile is managed within Prism.
Maps to ISO 20022 Party / FIBO IndividualParty or LegalPerson.
Unique system identifier for a client (CRM or source-system key).
Full legal name of the client as registered with the firm.
ISO 3166-1 alpha-2 country code of the client's tax domicile.
A grouping of one or more clients (e.g. spouses, domestic partners, dependants) sharing financial planning objectives and potentially joint accounts.
Relates a Household to the Clients who are members of that household.
The lead client for correspondence and plan ownership.
A licensed financial professional (wealth manager, financial planner, broker-dealer rep) responsible for managing client relationships and wealth plans.
Regulatory license identifier (e.g. FINRA CRD, FCA FRN).
A comprehensive, time-bound financial plan prepared for a client or household, encompassing goals, scenarios, assets, liabilities, income projections, and recommended strategies. Analogous to ISO 22222 'Personal Financial Plan'.
The source document(s) that informed or produced this wealth plan.
A what-if variant of a WealthPlan representing alternative assumptions (e.g. early retirement, different return rates, additional contributions).
Base | Optimistic | Pessimistic | StressTest | Custom
A specific, time-bound financial objective defined within a WealthPlan, such as retirement, education funding, home purchase, or estate transfer.
Retirement | EducationFunding | HomePurchase | EmergencyFund | EstatePlanning | Charitable | BusinessSuccession | Other
Monetary target expressed in the plan's base currency.
Ordinal rank (1 = highest) within the WealthPlan.
Monte Carlo or deterministic probability of achieving the goal (0.0–1.0).
A financial modelling assumption embedded in a PlanScenario, such as inflation rate, expected rate of return, tax rate, or income growth.
InflationRate | NominalReturn | RealReturn | TaxRate | IncomeGrowthRate | LongevityAge
AdvisorJudgement | MarketConsensus | ActuarialTable | RegulatoryGuidance
A financial account held by or on behalf of a client at a custodian, broker-dealer, bank, or insurer.
Brokerage | IRA | RothIRA | 401k | 529 | TrustAccount | BankSavings | BankChecking | Annuity | CorporateRetirement
Active | Closed | Restricted | Suspended
Legal Entity Identifier (ISO 17442) of the account custodian.
Individual | Joint WROS | Joint TIC | TOD | Trust | Corporate | Custodial UGMA/UTMA
A position in a specific financial instrument held within an Account, representing quantity, cost basis, and current valuation.
ISO 6166 International Securities Identification Number.
Equity | FixedIncome | Cash | RealEstate | Alternative | Commodity | Crypto | PrivateEquity
A resource of economic value owned by or owed to a client, outside of or in addition to securities holdings (e.g. real estate, business interest, collectibles).
A financial obligation owed by a client, such as a mortgage, student loan, auto loan, credit card balance, or tax obligation.
Mortgage | HELOC | AutoLoan | StudentLoan | PersonalLoan | CreditCard | TaxObligation | BusinessDebt
Annual interest rate expressed as a decimal (e.g. 0.065 for 6.5%).
A category or line of insurance offered by an insurer, such as Whole Life, Term Life, Universal Life, Variable Annuity, Long-Term Care, or Disability Income insurance.
Life | Annuity | LongTermCare | DisabilityIncome | PropertyCasualty | HealthMedical
A contract between an insurer and one or more policyholders providing coverage against specified risks in exchange for premiums. Conforms to ACORD Policy object model.
InForce | Lapsed | Surrendered | Matured | Pending | Cancelled
Monthly | Quarterly | SemiAnnual | Annual | SinglePremium
The policyholder (owner) of the insurance contract.
A specific protection feature or benefit provided under an InsurancePolicy, such as death benefit, accelerated benefit, or long-term care benefit.
DeathBenefit | LongTermCare | AcceleratedBenefit | DisabilityWaiverOfPremium | ReturnOfPremium
Nominal death benefit or maximum benefit limit.
Links an InsurancePolicy to its constituent Coverage objects.
The person whose life, health, or property is the subject of coverage.
An amendment or endorsement to an InsurancePolicy that modifies or extends its base coverage (e.g. waiver of premium, guaranteed insurability, long-term care accelerated benefit rider).
A person or entity designated to receive policy proceeds or account assets upon a triggering event (death, disability, maturity).
Primary | Contingent | Tertiary | Irrevocable
Share of proceeds allocated to this beneficiary (0.0–100.0).
Links a Beneficiary record to a known Client entity in Prism.
A file or artefact ingested into Prism representing a wealth planning or insurance document (e.g. financial plan PDF, account statement, policy contract, KYC form).
System-generated UUID assigned at ingestion time.
FinancialPlan | AccountStatement | PolicyContract | KYCForm | ProspectusStatement | TrustDocument | WillAndTestament | RetirementProjection | TaxReturn | ClientProposal | InvestmentPolicyStatement
application/pdf | application/vnd.openxmlformats-officedocument.wordprocessingml.document | text/csv
SHA-256 hex digest of the file content for integrity verification.
AWS S3 fully-qualified object key (s3://bucket/path/to/file).
Salesforce | Orion | Envestnet | Redtail | DocuSign | Laser App | Manual Upload
UTC datetime when the document was ingested into Prism.
System user ID or email of the user who uploaded the document.
WealthPlanning | Insurance | Equity | Compliance
Multi-tenancy discriminator for named-graph isolation in GraphDB / Neptune.
Public | Internal | Confidential | Restricted | PII
Regulatory jurisdiction governing the document (ISO 3166-1 alpha-2 or subdivision code).
Reference to the firm's document retention schedule (e.g. '7YR', 'PERMANENT').
Version identifier of the vector embedding model used for this document.
Redis or Pinecone namespace where document vector embeddings are stored.
This document replaces a previous version of the same document.
A semantically coherent text segment extracted from a Document, used as the granular unit for vector embedding, retrieval, and evidence citations.
Ordinal position of the chunk within its parent document (0-indexed).
Plain-text content of the chunk (may be omitted in production for storage efficiency).
Identifier of the embedding vector in the configured vector store.
Extraction or retrieval confidence (0.0–1.0) assigned by the ingestion pipeline.
An upstream system from which documents or data are ingested into Prism.
CRM | PortfolioManagement | DocumentManagement | InsuranceAdmin | TaxPreparation | Custodian
A discrete execution of the Prism document ingestion pipeline, associated with a batch of documents from one or more source systems.
Completed | Failed | PartialSuccess | Running
A specific text span within a DocumentChunk that was used as evidence for an extracted entity, claim, or graph triple. Supports RAG citation.
Character offset (inclusive) within the chunk text.
Character offset (exclusive) within the chunk text.
Links any extracted entity or triple to the evidence span supporting it.
A metadata node that describes a named graph within the GraphDB/Neptune repository, carrying tenancy, department, and security context.
AWS IAM Role ARN with read/write access to this named graph (Neptune context).
Controlled vocabulary of document types used in Wealth Planning ingestion.
Controlled vocabulary of asset classes aligned to GICS / CFA Institute classifications.
Doe Family Comprehensive Financial Plan 2025