Values & Money Beliefs
See what actually drives each family member's financial decisions.
- 10 Schwartz values scored from behavioral choices
- Money scripts: avoidance, worship, status, vigilance
- Dominant belief surfaced with plain-language explanation
Know the
family's decision DNA.
Twin profiles family wealth clients through a behavioral assessment game — mapping values, risk posture, money beliefs, and decision style into a live advisor intelligence layer.
Built for
Family OfficesWealth ManagersEstate Planners
Decision 12/50Family · Bowen
"Your 22-year-old child wants to marry someone you deeply distrust. Do you intervene financially?"
The Choice
Scoring
Values
Risk
Script
Style
Voice Explanation
Gen 3Being assessed
What You Get
Every insight an advisor needs, in one place
Twin turns a 15-minute behavioral game into a complete advisor intelligence layer — profiles, conflict maps, meeting prep, and a live copilot grounded in each client's actual data.
Client inputs
Game + Voice
Advisor outputs
Profiles + Briefs + Copilot
Scroll to explore
Risk Posture
Capture stated vs. revealed risk tolerance — and the gap between them.
- Behavioral risk from the balloon pressure task
- Gap flag when stated and revealed tolerance diverge
- Loss aversion score and time horizon signal
Conflict Hotspots
Spot predictable disagreements before they surface in a meeting.
- Pairwise conflict risk score for every family pair
- Biggest divergence dimension named explicitly
- Color-coded heatmap across the full family
Operator / Co-trustee / Support
Governance Readiness
Identify who should lead, co-decide, or be supported.
- Differentiation and family role signals from Bowen theory
- Readiness score with operator / co-trustee / support bands
- Who needs more preparation before a transition
Advisor correction flagged
Voice Recordings
Capture the reasoning behind each choice in the client's own words.
- Optional voice explanation after every decision
- AI-extracted quotes and key themes per member
- Surfaced in copilot and meeting prep for richer context
Download PDF brief
AI Meeting Prep Brief
Walk into every meeting with a one-page behavioral briefing.
- Generated from live profile data — not generic templates
- Who's in the room, what could go wrong, how to open
- Downloadable PDF with conflict diagram included
Operator / Co-trustee / Support
Intergenerational Alignment
See where parents and next-gen align or diverge on what matters.
- Value overlap and gap across generations
- Divergence by dimension: power, legacy, independence
- Conversation prep tailored to the specific pair
Behavioral Copilot
Ask questions about any family member and get grounded, cited answers.
- Streaming AI chat with full profile context loaded
- Advisor notes and profile corrections weighted highest
- Meeting history informs patterns across sessions
Advisor correction flagged
Profile Corrections
Flag where the AI profile doesn't match what you've observed in practice.
- Per-section correction notes override AI assessment
- Corrections flow into copilot and meeting prep as top signal
- Post-meeting debriefs track what actually happened
The Advisor Intelligence Layer
The game generates the data. Twin turns it into a complete suite of tools advisors can use before, during, and after every client meeting.
01
Behavioral Profiles
Values, risk posture, money scripts, decision style, and conflict patterns — all scored from the game and kept current.
02
Conflict Intelligence
Pairwise risk scores across every family combination. Biggest divergence dimensions named before you walk into the room.
03
Voice Context
Clients record explanations in their own words. Quotes and themes are extracted and surfaced in every AI tool.
04
Meeting Intelligence
Pre-meeting briefs generated on demand. Post-meeting debriefs flow back into the profile. The system learns from every session.
Hawthorne Family
Conflict RiskModerate
62/100
GapRisk posture
Overstates appetite
Says aggressive, behaves conservative.
Schwartz Values — James H.
Dominant Latent
What should I watch for when James and Sarah are both in the room?
From assessment to advisor intelligence
A 15-minute game produces a full behavioral profile. That profile powers every tool the advisor uses — before, during, and after every meeting.
01
The Behavioral Assessment
Clients play through 50 high-stakes dilemmas across money, family, and governance scenarios. Each binary choice is scored across Schwartz values, money scripts, risk posture, and decision style — simultaneously.
02
The Voice Layer
After key decisions, clients explain their choice in their own words. AI extracts quotes, themes, and reasoning patterns — adding qualitative depth to every score and surfacing language the advisor can use directly.
03
The Advisor Intelligence Layer
Profiles, conflict heatmaps, AI meeting prep briefs, and a live behavioral copilot — all grounded in each client's actual data. Post-meeting debriefs feed back in, so the system gets sharper over time.
Know your clients better than they know themselves.
The Methodology
Built on Behavioral Science.
Twin is built on four validated psychological frameworks: the Schwartz Theory of Basic Values, the Klontz Money Script Inventory, Bowen Family Systems Theory, and the Balloon Analogue Risk Task (BART) — combined into a single behavioral profile.
Value Profiling
Schwartz's 10 universal value dimensions — Security, Benevolence, Power, Self-Direction, and more — scored from behavioral game choices, not self-report forms.
Risk & Decision Style
Stated vs. revealed risk tolerance from the BART behavioral task. Decision style across four dimensions: deliberate vs. instinctive, independent vs. consensus, data vs. emotion.
Money Scripts
Klontz's four money belief patterns — avoidance, worship, status, and vigilance — extracted from scenario choices and weighted by allocation behavior. Explains why clients make the financial decisions they do.
Advisor Intelligence
Profiles feed a live AI copilot, meeting prep briefs, and a conflict heatmap. Advisors add notes and corrections that override the AI — so the system reflects what they actually observe in practice.
SOC 2 Compliant Infrastructure