Agentic Wealth Platform · Multi-LLM + AI Skills × RWA
US Headquarters · Co-led by US Institutions & Singapore Sovereign Funds
PG-AI is a US-headquartered, AI-native private wealth platform co-led by Goldman Sachs, BlackRock, Temasek Holdings, and GIC. It orchestrates multiple frontier large language models with specialist AI skills to autonomously manage portfolios of real-world assets — custodied by five Tier-1 banks and regulated under both SEC and MAS jurisdictions.
Core promise: Intelligent. Stable. Secure. — Four minds think. Eight skills act. Eleven giants guard.
A human team of 5–8 specialists works business hours, five days a week. Wealth sleeps 48 hours every weekend, gated by geography, audited once a year. This rigidity costs HNW individuals 100–300 bps annually in missed opportunities and timing drag.
PG-AI replaces the human team with an AI-native stack: multiple frontier LLMs provide the reasoning layer; specialist AI skills provide the execution layer. LLMs never trade directly — they reason about market state, user intent, and risk policy, then dispatch bounded skills to act. The result: 24/7/365 operation, sub-second response, zero emotional bias.
No single LLM is best at everything. GPT-4o excels at macro synthesis. Claude Opus leads in financial reasoning. Gemini Ultra brings multimodal capability. Llama 4 offers low-latency inference. PG-AI's routing layer selects the best model per task in real time. Skills stay the same; intelligence improves every quarter.
The United States provides the deepest capital markets, the most liquid asset pools, and the most sophisticated institutional investor base. Singapore provides the world's most trusted regulatory framework for cross-border asset management and two sovereign wealth vehicles (Temasek, GIC) with $800B+ in combined assets. PG-AI bridges both — US-headquartered, Singapore-guaranteed, globally distributed.
A model-agnostic router evaluates every task against a performance matrix updated weekly: task type, latency, context demand, cost, and accuracy.
| LLM | Strength | Assigned Tasks |
|---|---|---|
| GPT-4o | Broad macro synthesis | Market Intel, Portfolio Construction |
| Claude Opus | Step-by-step financial reasoning | Compliance, Tax, Explainability |
| Gemini Ultra | Native multimodal | Event Watch, Earnings Analysis |
| Llama 4 | Low-latency inference | Risk Guardrails, Real-time Monitoring |
Each LLM operates in its own sandbox. Inter-model communication is mediated by the router, which strips sensitive data. User PII is never transmitted — only anonymized task parameters.
Weekly evaluation suite. New model versions enter shadow-mode: processing real tasks in parallel without affecting live portfolios. If a new version outperforms, it auto-replaces the incumbent.
Multi-LLM core at center. 8+ specialist skills orbit it — each bounded, auditable, policy-governed with formal spec, permission set, and audit trail.
Macro data, earnings, yield curves, news → live regime signal.
Drawdown cap, VaR, concentration rules enforced before any order.
Jurisdictional eligibility, suitability, Travel Rule — pre-checked.
Tax-efficient lots, wash-sale avoidance, residency-aware routing.
Mandate-bounded drift correction. TWAP/VWAP execution.
3-second signed holdings from 5 custodian banks via read-only API.
Earnings, central banks, geopolitical → defensive mode escalation.
Target allocation across defensive (Treasuries, gold) and offensive (equities, infra) engines.
New skills: spec review → sandbox → shadow-mode → committee approval. Deprecation: orchestrator re-routes automatically. Portfolio never disrupted.
Defensive engine provides yield floor. Offensive engine captures growth when signal permits.
| Engine | Asset Classes | Objective |
|---|---|---|
| Defensive | US Treasuries, IG credit, allocated gold | Stable yield floor across cycles |
| Offensive | Growth equities, private credit (Apollo), AI-infra RWA | Alpha on high-confidence signals |
Liquidity (48h exit) → Custodial eligibility (≥2 of 5 banks) → Compliance clearance → Risk budget (VaR envelope). Every asset must pass all four.
Co-led by US institutions (Goldman Sachs, BlackRock) and Singapore sovereign funds (Temasek, GIC). Eleven global Tier-1 partners form PG-AI's operational backbone.
United States (Primary): SEC Registered Investment Adviser. Delaware holding entity. Goldman Sachs and BlackRock as co-leads. FINRA compliance. SOC 2 Type II audit.
Singapore (APAC): MAS Capital Markets Services license. Signed protection agreement. Asset segregation, daily reporting, immediate freeze authority, full recoverability.
| Jurisdiction | Authority | License | Status |
|---|---|---|---|
| United States | SEC | Registered Investment Adviser | Registered |
| Singapore | MAS | Capital Markets Services (CMS) | Licensed |
| European Union | AIFMD | Alternative Investment Fund Manager | Authorised |
| UAE | ADGM FSRA | Asset Management | Licensed |
| Hong Kong | SFC | Type 9 Asset Management | Filed |
| Custodian | Role | Jurisdiction |
|---|---|---|
| JPMorgan | Prime custody, settlement | US / Singapore |
| Goldman Sachs | Prime brokerage, capital markets | US / UK |
| UBS | Wealth infrastructure, cross-border | Switzerland / SG |
| BNY Mellon | Asset servicing, attestation API | US / UK |
| DBS Bank | Operational accounts, MAS-native | Singapore |
Any transfer above mandate threshold requires: custodian bank + PG-AI LLM orchestrator + independent human compliance officer. Compliance officer retains unilateral veto.
Zero management fee. 20% performance fee only above the investor's historical high-water mark. If AI doesn't make you money, we earn nothing.
| Fee | PG-AI | Private Bank | Hedge Fund |
|---|---|---|---|
| Management | 0% | 0.75–1.50% | 1.50–2.00% |
| Performance | 20% above HWM | Rare / 10% | 20% above HWM |
| Entry / Exit | 0% | 0–3% | Lock-up |
8 core skills, 4 LLMs, SEC + MAS compliance. First institutional mandates. Five-bank custody live. Goldman Sachs + BlackRock + Temasek + GIC co-launch.
ESG screening, alt-data ingestion, derivatives overlay, client reporting. Apollo private credit pipeline activated.
EU via AIFMD. BlackRock ETF distribution integration. Deutsche Bank European custody.
SFC Type 9 activation. Greater China distribution. GIC infra co-investment program.
Third-party skill marketplace. Temasek governance advisory. Global AUM target: $10B+.
This whitepaper is for informational purposes only and does not constitute investment advice. AI-driven management carries risks including model error, data latency, infrastructure failure, regulatory change, and market risk. All investments involve risk of loss. Consult your own advisers.