For independent RIAs, OSJs, and advisory teams
How ready is your firm to compete against the AI advisor?
Paste your firm name or website, answer six questions, and get a directional read on where your value story holds and where it gets repriced. Then take the conversation kit — talking points, client email templates, and advisor conversation starters — into your next review cycle.
What the AI advisor is actually aiming at
This is not a technology story. It is a pricing and accountability story.
0–25 bps
The price the machine sets
Autonomous advice platforms are pricing allocation, rebalancing, tax-lot harvesting, and 24/7 Q&A at near zero. Any fee conversation anchored on portfolio construction is being repriced from underneath.
24/7
Always-on availability
The comparison client is no longer another advisor. It is an agent that answers at 11pm, never forgets a detail, and produces a plan-shaped document in ninety seconds.
Between reviews
Where defection starts
Clients are already stress-testing your recommendations against a model before the next meeting. If the firm has no language for that, the client writes it for you.
Fiduciary gap
What the model cannot carry
An agent cannot hold discretionary accountability, sign a suitability record, absorb regulatory liability, or make a judgment call under family pressure. That is the defensible ground.
Having a shared answer is no longer a differentiator — it is table stakes. The firms that lose relationships over the next three years will not lose on performance. They will lose because no one at the firm could say, out loud and consistently, what the fee is actually for.
The audit
Six inputs. One honest read on your exposure.
The audit is directional practice-management analysis built from seventeen years inside advisory platform transformation — not investment, legal, or tax advice. Review all client-facing language with your compliance supervisor before use.