RIAOS: AI-Powered Operations Platform for an RIA

Consolidating 40+ Wealth Management Workflows Into One Compliance-Grade Platform

App: RIAOS | Industry: Wealth Management / FinTech | Client: Confidential — boutique RIA serving ultra-high-net-worth clients | Company size: Independent wealth management firm (UHNW individuals, families, organizations) | Duration: Ongoing iterative build with full mobile companion app

Summary

An AI-powered operations and intelligence platform that automates document management, client data, compliance, trading, and advisory workflows for a wealth management firm.

The Challenge

The firm was managing client onboarding, document classification, compliance tracking, trading operations, financial planning, and advisor workflows across disconnected spreadsheets, email, and manual processes — with limited audit trails and 8 separate Excel workbooks per client.

Our Approach

• Built multi-stage GPT-4o document classification with structured data extraction across the firm's full document corpus
• Created an AI-powered dictation engine that parses natural speech into structured client data across 8 categories (accounts, net worth, household, meeting agendas, etc.)
• Layered an AI Assistant with function-calling tools for natural language querying of clients, KPIs, pipelines, and documents
• Implemented an AI Coaching engine for advisor performance analysis and AI Meeting Intelligence for transcript analysis, summary generation, and action-item extraction
• Built a real-time trading desk with candlestick charts, AI-generated BUY/SELL/HOLD signals, and SEC Rule 606 best-execution compliance
• Added Monte Carlo financial planning simulations and risk analytics with stress testing
• Integrated Salesforce CRM with OAuth 2.0, Change Data Capture, and Bulk API 2.0
• Shipped a React Native (Expo) mobile app mirroring all 40+ web features, deployed via TestFlight
• Implemented session-based auth with TOTP 2FA and compliance-grade audit logging

Outcomes & ROI

• 40+ — Workflows Consolidated: Manual operational workflows unified into one AI-enhanced platform
• ~80% — Document Review Reduction: AI classification reduces manual document review and sorting
• 8 → 1 — Workbooks Per Client: Client 360 structured data hub replaces 8 separate Excel workbooks per client

Human-in-the-loop review queue ensures 100% compliance oversight on all AI decisions. Real-time KPI dashboard replaces monthly manual reporting. Full iOS mobile app gives advisors on-the-go access to all platform capabilities.

Technologies Used

GPT-4o / GPT-4, Salesforce (OAuth 2.0, CDC, Bulk API 2.0), React Native (Expo), PostgreSQL + Drizzle, TOTP 2FA, Monte Carlo simulations, SEC Rule 606 compliance

Key Takeaways

1. Compliance-grade AI in wealth management requires a human-in-the-loop review queue on every AI decision — anything less is unacceptable to regulators and to UHNW clients
2. Salesforce Change Data Capture + Bulk API 2.0 is the right pattern for keeping a custom platform synchronized with an existing CRM without breaking either system
3. Voice-to-structured-data dictation is the unlock for advisors who don't want to type during client meetings — adoption is dramatically higher than typed entry

Frequently Asked Questions

How is compliance handled?

Every AI decision flows through a human-in-the-loop review queue, all activity is captured in compliance-grade audit logs, and authentication uses session-based auth with TOTP 2FA.

How does the trading desk meet SEC Rule 606 requirements?

Best-execution data is captured at order placement and reflected in the trade record so quarterly Rule 606 reports can be generated directly from the platform.

Is there a mobile app?

Yes — a React Native (Expo) iOS app deployed via TestFlight that mirrors all 40+ web features, so advisors have full platform access on the go.

Related Services

• AI Strategy
• AI Security
• Digital Transformation

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