Goal
Compare three funds across risk, fees, and trailing performance before a client call.
Tooling
Schwab portal + Morningstar reports + Vibe AI Browser Co-Pilot.
Outcome
Research prep cut from 2 hours to 15 minutes with a ready-to-share summary.
Workflow story
The advisor opens Schwab and asks Vibe: "Pull Morningstar data for VFINX, VTSAX, and SWPPX. Compare fees, 1/3/5-year performance, and risk metrics. Summarize tradeoffs for a conservative client." Vibe navigates the reports, extracts the relevant tables, and normalizes them into a single comparison view.
Next, Vibe drafts a memo with a clear recommendation, citing the lowest expense ratio, volatility, and performance consistency. The advisor reviews the memo, adds a personal note, and sends it to the client ahead of the meeting.
How it works
- Open Schwab and navigate to Morningstar reports for target funds.
- Extract fee, risk, and 1/3/5-year performance data.
- Normalize metrics into a comparison table.
- Draft a recommendation memo with tradeoffs and citations.
- Review and approve the memo before sharing with clients.
Why Vibe vs Atlas, Comet, Composite, or Strawberry
- • Works inside authenticated Schwab sessions and Morningstar reports.
- • Keeps the advisor in control with human approval before sending.
- • Supports privacy-first and self-hosted workflows for regulated teams.
- • Executes full workflows instead of just summarizing search results.
What Vibe handled
- • Logged into Schwab and located Morningstar PDFs.
- • Extracted fees, risk scores, and trailing returns.
- • Built a comparison table formatted for client review.
- • Drafted a recommendation memo with sources.
Advisor review
The advisor verified the numbers, adjusted the risk profile notes, and approved the final recommendation. Vibe left the decision in the advisor's hands, but removed the repetitive reporting work.
Result
The advisor walked into the meeting with a polished, defensible comparison backed by Morningstar data, and spent the call on client goals instead of spreadsheet prep.
FAQs
Can Vibe access Morningstar data inside Schwab?
Yes. Vibe works inside your authenticated Schwab session and can open Morningstar reports directly in the portal.
Does Vibe make the investment decision?
No. Vibe gathers data and drafts analysis, but the advisor reviews and approves every recommendation.
Is the output client-ready?
Vibe produces a clean comparison table and a recommendation memo that you can edit and send.
How is this different from AI search tools?
Vibe works inside authenticated portals like Schwab. Search-only tools cannot access or act inside those sessions.