Problem
Siloed Systems
Firms operate on 7-12 disconnected tools (CRM, Planning, Reporting), creating data friction and operational blind spots.
Inefficient Compliance
Lengthy TTE & CERT cycles consume 1,000+ hours, elevating regulatory exposure and risk.
Time Intensive
Advisors lose 10-20 hours/week on admin. This "admin tax" caps growth capacity and responsiveness.
Limited Intelligence
No unified data model means no real-time insights. Firms cannot detect attrition risk (Silent Loss).
Industry Validation
“Are the limitations on the financial advisor’s time and client-facing activities a matter of technology and staff efficiency or more “human” limitation?”
“Thus far, the inexorable rise of technology continues to not lead financial advisors to service more clients…but instead deeper services.”
20%
Client Facing
80%
Non-Client Facing
Kitces Research "How Advisors Spend Their Time" Study
The Industry is Building Add-Ons
Category (Status Quo) | Examples | Fatal Flaw |
|---|---|---|
AI Feature Layers | Denali, Einstein, ChatGPT, Gemini | Not OS-Native. Duct-taped onto legacy stacks. Not unified. Not compliance-grade. |
Reporting | Orion, Addepar | Backward-Looking. Great at history, poor at proactive behavioral risk detection. |
Workflow / CRM | Redtail, Salesforce | Data Blindness. Disconnected from planning, tax, and portfolio logic. |
Planning Tools | MoneyGuidePro, eMoney | Planning-Only DNA. Blind to compliance, risk, and real-time evidence. |
Custodians | Fidelity, Schwab, Vanguard
| Legacy Utility. Focused on asset custody, not advisory intelligence. Technology is often dated and siloed. |