Human-led,
SAM-guided

SAM is Conquest's proprietary planning engine. It is an AI expert system that analyzes each client's complete financial picture and surfaces ranked, actionable strategies. Unlike generative AI, SAM is a deterministic calculation engine: it produces auditable, repeatable results based on codified financial planning best practices.

Yes. And in today’s regulatory environment, that matters. Because it is an AI expert system, the deterministic calculation engine produces the same results every time, given the same inputs. A regulator, compliance officer, advisor, or end client in self-directed planning could re-run a scenario and get the same answer using the same inputs. Financial Planning advice in Canada (CRM2/CRM3), the US (Best Interest, DOL Fiduciary) and globally (UK FCA Targeted Support) is subject to regulatory scrutiny. If an advisor presents a strategy, a projection or plan to a client, there needs to be defensible and traceable paths from input to output. Therefore, a calculation engine combined with a strategy algorithm (like SAM, where the human is expected to be involved) provide an auditable chain of logic where every rate, tax rule, calculation, and result can be inspected and validated.

No. SAM is a proprietary deterministic calculation engine that does not contain or support an algorithm that learns and adapts. SAM is an expert system under the broad category of “Artificial Intelligence,” but it is a deterministic calculation engine or AI expert system. It is not an LLM or generative AI like the models from OpenAI, Anthropic and others; gen AI models will produce a slightly different response each and every time.

SAM guardrails are built to support jurisdictional compliance across multiple regulatory frameworks, including CRM2/CRM3 (Canada), Best Interest and DOL Fiduciary standards (U.S.), and FCA Targeted Support (UK).

SAM is builtleveraging a problem-solving architecture known as the “Blackboard System,” where each codified strategy is tested, ranked, and prioritized against a client’s current financial situation. SAM also considers goals entered, financial planning best practices, risk tolerance and planning preferences in the ranking and prioritization.

Strategies are fully encapsulated data changes representing common and opportunistic financial planning opportunities. Each strategy is guard-railed based on the relevant jurisdiction’s income tax rules, regulatory compliance, and cash flow affordability.

No. Because SAM is a calculation engine, any error is systematic and discoverable — not random. You can re-run the same inputs and get the same output every time. That’s fundamentally different from generative AI or popular LLMs, where errors are unpredictable and can appear in different forms each time.