Prospects ghost during a four-to-six-week KYC and account-opening grind. Advisors burn 6-12 hours per top-tier client per quarter assembling QBR decks. Form ADV updates, Form CRS deliveries, IPS revisions, and marketing-rule reviews drag two compliance staff a full week each quarter. Clients hear from you when statements go out and panic when markets move. Pipeline goes cold because no one is sequencing the prospect touch. SEC examination risk and FINRA arbitration exposure that can end the practice. LouDNAi deploys nine named agents — purpose-built for solo RIAs, multi-advisor firms, family offices, hybrids, and broker-dealers — that close the gap in 21 days.
Solo RIAs running a single book through Schwab or Fidelity. Multi-advisor firms with a partner track. Family offices managing concentrated wealth across operating businesses, real estate, and alternatives. Hybrids holding both an RIA and a broker-dealer relationship. Pure broker-dealers under FINRA. Each shape has a different supervisor structure, a different books-and-records footprint, and a different compliance calendar — the same nine-agent fleet adapts.
Five recurring pain points across every wealth practice we have mapped. Each has a citation, a verbatim advisor quote, an annualized dollar figure, and the named agent that closes the gap. RIA economics live or die on net new household acquisition and top-quartile client retention — everything else amplifies one of those two.
The prospect said yes. Then four to six weeks pass: KYC questionnaire, suitability profile, IPS draft, custodian account-opening packet, ACAT transfer authorization, beneficiary forms, trustee documentation, and the inevitable third email asking for the missing void check. By the time the account funds, the prospect has had time to second-guess. Industry-reported drop-off in the onboarding stage runs around 30%.
Top-tier clients expect quarterly business reviews. The advisor pulls performance from the portfolio system, builds the household balance sheet from a half-dozen accounts, drafts the personalized commentary, formats the deck, runs it past compliance for marketing-rule review, and rehearses the meeting. Six to twelve hours per top client, every quarter. A 200-household firm with 60 top-tier QBRs is burning 360-720 advisor hours every quarter.
Form ADV Part 1, Part 2A, Part 2B brochure supplements. Form CRS for retail clients. IPS revisions on every household where assets, suitability, or objectives shift. Marketing-rule reviews on every piece of advertising under Rule 206(4)-1. Books-and-records retention under Rule 204-2. Two compliance staff lose a full week each quarter to filings, deliveries, and the inevitable last-minute attestations. SEC exam-prep adds another month every two to three years.
Markets move. The phone rings. The advisor scrambles to draft a market-commentary email that compliance has not yet pre-cleared. Half the clients hear from you on Tuesday, the other half on Thursday, and the third half — the ones who fired you — never heard at all. Add life-event triggers (job change, inheritance, divorce, retirement) where proactive contact wins the next $2-5M of share-of-wallet, and most firms are leaving 5-15% of household revenue on the table every year.
Referrals arrive. The advisor has the first call. Then quarter-end hits, QBRs drown the calendar, and the prospect goes 21 days without a touch. By the time the advisor surfaces, the warm referral is cold and shopping. Most RIAs have no programmatic prospect motion — the CRM has data, the calendar has the meeting, but nothing is sequencing the in-between touches that convert curiosity into a funded account.
Every agent has a name, an owner, a measurable outcome, and a HITL gate where regulator-facing or fiduciary work needs human sign-off. SEC + FINRA compliance is wrapped around the whole fleet — Guardian holds the registrations, Compass routes the inbound, Helix Memory keeps household context safe across advisor transitions and partner exits.
The flagship for any RIA or BD. Drives the new-household onboarding from yes to funded account. Sequences KYC questionnaire, suitability profile, IPS draft, custodian packet, ACAT, beneficiary forms, trust documentation. Pre-fills every form from the prior conversation. Sends one email a day, not seven. Cuts the cycle from 4-6 weeks to 7-12 days.
Pulls performance from your portfolio reporting system. Builds the household balance sheet across all custodians and accounts. Drafts the personalized quarterly narrative — what changed, why, what action. Formats the branded deck. Stages compliance review under the marketing rule. Advisor edits, rehearses, presents.
Maintains Form ADV Parts 1, 2A, 2B brochure supplements. Stages annual amendments and material-change filings. Drafts Form CRS deliveries on initial relationship and material updates. Pre-clears marketing collateral against Rule 206(4)-1. Maintains books-and-records retention per Rule 204-2. Anchors against Guardian.
Watches market events, life-event triggers, and household-specific signals. Drafts pre-cleared market commentary in your firm voice. Sequences proactive touches on inheritance, retirement, job change, divorce, marriage, business sale. Routes urgent calls to the advisor; handles non-urgent with templated, advisor-reviewed responses.
The CRM-integrated motion that converts referrals into funded households. Sequences touches across the curiosity-to-discovery-to-decision arc. Builds the discovery-meeting prep brief from public records and prior-call notes. Routes warm signals to the advisor in real time. Makes sure no referral goes 21 days without a thoughtful touch.
Daily custodian-side reconciliation across Schwab, Fidelity, Altruist, Pershing, BNY. Quarterly billing calculations, fee invoicing, advisor-split allocations. Trade-error logging. Flags reconciliation breaks for the operations team. Closes the books in hours, not days.
Triages every inbound call, email, and web form. Routes to the right advisor, service team, or compliance per household. Logs every touch into the CRM — Salesforce Financial Services Cloud, Wealthbox, Redtail — without advisor data-entry overhead. Keeps the books-and-records record clean for SEC exam.
The compliance overlay. Tracks SEC and state RIA registration, Form ADV calendar, Form CRS deliveries, FINRA Rule 3110 supervision, Reg BI documentation, books-and-records retention, marketing-rule reviews, and exam-readiness flags. Holds the firm's regulatory posture against renewals, M&A, and exam events.
The firm's long memory. Household-specific context, beneficiary intentions, family-dynamic notes, suitability evolution, prior-meeting commitments, advisor-relationship knowledge. When an advisor leaves or retires, the household context stays. When a junior advisor inherits a book, they read in instead of starting from scratch.
Indicative annualized recoverable bleed across the five pain points — onboarding cycle, QBR prep, compliance documentation, client comms, prospect pipeline. Numbers are mid-band estimates from RIAs and BDs of comparable size. Your DNA Scan replaces these with your actual book.
Wealth management is the most regulated corner of the financial-professional bucket. Every advisor communication, every marketing piece, every Form ADV amendment, every books-and-records entry is subject to SEC examination, state RIA review, or FINRA arbitration. Guardian wraps the fleet so the firm's regulatory posture stays clean across exam, M&A, and succession events.
Type 1 attestation in flight, Q3 2026 target. We do not claim certification we do not yet hold. Type 2 in flight 2027. State-CCPA / NY-DFS Part 500 / GLBA-aware data flows.
Read the trust posture →Every offer is priced and visible. Wealth-vertical Fleet pricing is $6,500/mo — covers the SEC + FINRA compliance overlay, multi-state RIA registration support, Reg BI documentation for hybrids and BDs, and the nine-agent operating fleet for a $300M-$3B AUM baseline. Family offices, large enterprise RIAs, and multi-state BDs add to the base.
Six-week deep audit of your wealth operations. Onboarding cycle measurement. QBR labor study. Compliance filing burden. Communication reaction-time. Pipeline conversion. Returns a household-by-household recovery plan and a named-agent staging order.
Pick the highest-impact agent — Client Onboarding Bot for solo and multi-advisor growth, QBR Builder for partner-track firms, Compliance Docs for SEC-exam pressure, Prospect Pipeline for referral conversion. Configured to your custodian, your CRM, your advisors. Live in 14 days.
All nine named agents. Client Onboarding Bot, QBR Builder, Compliance Docs, Client Comms, Prospect Pipeline, Trade & Reconciliation, Compass, Guardian (SEC + FINRA), Helix Memory. Continuous tuning. SEC + FINRA compliance overlay. Quarterly executive review. 12-month minimum.
$450M AUM RIA baseline · ~$420K/yr recoverable bleed across the five pain points. The DNA Scan returns the actual number on your firm in 5-6 weeks. Then the Fleet runs the close.