Financial Services · persona
RIA / Investment Advisor
Solo RIA up to 8-advisor firm. Quarterly review prep is the bottleneck. Compliance is non-negotiable.
A day in the life
What the next Tuesday looks like
It's the 2nd week of the quarter. The advisor needs to prepare for 22 quarterly client reviews over the next four weeks. Each review needs: portfolio performance commentary, household coverage review, RMD status check, life-event flags, custodian reconciliation, and a personalized agenda. Traditionally this is 2-3 hours per client, mostly producing the same artifacts in slightly different forms.
The AI workflow: the moment quarter-end performance lands at the custodian, the system pulls each household's data, generates a draft performance commentary in the advisor's voice, surfaces life-events from CRM (new job, retirement, marriage, kid in college), checks RMD status against current date, and generates a personalized one-page agenda the advisor reviews and edits in 15 minutes, not 3 hours.
Meanwhile the compliance side: every outbound client communication is logged with the audit trail required by SEC Rule 17a-4. Form ADV brochure delivery is tracked. RMD reminders are queued well in advance. Trade alerts that would trigger Reg BI considerations are flagged before they're sent. The advisor doesn't have to remember any of this, it's the floor of the system, not an extra checklist.
The ria / investment advisor playbook
The automations that matter most
Out of the full Financial Services catalog, these are the ones a ria / investment advisor should run first.
Quarterly review prep (per household)
Renewal & life-cycle (insurance / advisory)
For RIAs: at quarter-end, generates a draft review packet per household (performance commentary, allocation drift, RMD status, life-event flags, agenda) that the advisor reviews and signs off in 15-25 minutes.
RMD tracking & client outreach
Renewal & life-cycle (insurance / advisory)
Automatically tracks RMD status across all clients, sends reminders well in advance of December 31, drafts the RMD-distribution paperwork, queues for advisor sign-off.
Form ADV / Form CRS delivery tracking
Compliance, audit & risk
RIA-specific: tracks annual ADV brochure delivery + Form CRS delivery to new clients within required time windows; flags exceptions for the CCO.
In the wild
How this actually plays out
Quarterly review prep is the most-leveraged single workflow in an RIA.
The AI workflow: at quarter-end, the system pulls performance data per household from the custodian (Schwab / Fidelity / Pershing API), pulls CRM data per household (life events, recent calls, open notes), pulls the household's investment policy statement, and generates a draft review packet, performance commentary in the advisor's voice, household coverage map, allocation drift report, RMD status, life-event flags, and a personalized agenda. The advisor reviews and edits each draft in 15-25 minutes instead of 2-3 hours.
The boundary is hard: AI never makes investment recommendations, never trades, never determines suitability. It assembles the facts and drafts the narrative. The advisor decides everything that decides anything.
A solo RIA managing 80 households recovers ~20-30 hours/quarter (~120 hours/year), equivalent to a part-time associate with no salary cost.
Get the firm-shaped automation map
Tell us your firm size, primary practice areas, and the one cycle that breaks most often (tax season, renewals, quarter-end, surge intake). We'll come back with a written map of which 5-7 automations matter first, what compliance posture they require, and what the first 90 days would change.