For independent RIAs · $100M–$1B AUM · Texas-first
AI for financial advisors that runs the firm, not the portfolio. Your advisors didn't become fiduciaries to chase paperwork — yet client onboarding, meeting prep, and compliance logging quietly eat the week. NAZCO builds and runs the operations system that does the chasing, with a human-approval gate on every client-facing step and an audit trail your CCO keeps full oversight of. Operations only — never investment advice.
Days, not weeks
new-household intake
≤ 5 days
the Live-in-30 intake target
Every step
audit-logged and exportable
Zero
investment decisions touched
We know your corridor
Before we called Texas our beachhead, we built the list — every SEC-registered RIA in the state matching the firms we serve ($100M–$1B AUM, 2–15 staff, real households), pulled from the SEC’s own Form ADV data and refreshed monthly. 397 firms across Texas. 109 in Houston metro alone. If that’s your corridor, we already know your stack, your custodian, and what your next ops hire was about to cost.
397
Texas firms in-profile
109
Houston metro
Monthly
SEC data refresh
397
Texas firms in-profile
The operations drag
None of this is an advisor problem. It’s an operations problem — the gap RIA technology was supposed to close and never quite did — and it compounds with every new household.
Industry onboarding benchmarks run 1–2 weeks for simple accounts and 4–6 weeks for complex households (Docupace). The client's first real experience of your firm is a waiting room — NIGO forms, custodian re-submissions, and chasing.
Advisors spend more than an hour on prep and follow-up for every hour in a client meeting (Kitces Research, 2024). The calendar says four meetings; the week says ten more hours of admin wrapped around them.
Kitces Research: less than 20% of a typical lead advisor's time is spent meeting with clients. The rest goes to work the client never sees — and the work nobody became a fiduciary to do.
The default fix is another client service associate: salary, benefits, training, turnover — hired to push the same paperwork through the same bottleneck, slightly faster. The bottleneck stays.
57% of 577 adviser-firm CCOs ranked AI the #1 hot compliance topic (IAA/ACA 2025 IMCT Survey). Manual logging is exactly the record-keeping that slips when the week gets busy — and exams don't grade effort.
The opening
40% of adviser firms have adopted AI internally — only 5% use it in client interactions (2025 IMCT Survey).
The gap between those two numbers is governance. The firms that install operations AI the right way now — RIA compliance technology with approval gates, audit trails, and CCO oversight intact — open a lead the rest will spend years closing.
How we engage
It starts free, and every paid step is gated on the last one proving out. The audit is 100% credited to the build, so the diagnosis never costs you twice.
Free
We map where your intake days and admin hours actually go — and what they cost the firm per year. You get the dollar number and the first fixes whether or not we ever talk.
from $3,500 · 100% credited to the build
A fixed-fee deep-dive into intake, prep, reporting, and logging. You get a phased roadmap and a fixed-price proposal — and every dollar of the audit is credited to the build.
from $25,000
New-household intake in days, not weeks. Human-approval gates on every client-facing step, an audit trail built to support your books-and-records obligations, and your existing stack — Redtail/Wealthbox, custodian portal, eMoney/RightCapital — wired together.
scoped per engagement
The whole back office on one governed system — an AI assistant for financial advisors that handles intake, meeting prep, reporting, and compliance logging, with the same gates and audit trail across all of it.
Every build ships with a care retainer attached, so the system stays maintained, monitored, and current — it never becomes abandoned infrastructure.
How it installs
Unlike off-the-shelf AI software for financial advisors, this is one governed engine that wires together the tools you already run and moves a new household from signed agreement to funded account — drafting, pre-filling, and queueing every step for a human to approve. Nothing is sent, filed, or published without sign-off, and every action lands in the log.
# household-onboarding
new household intake started
TriggerCRM record created — data synced
Actioncustodian paperwork pre-filled
Actionpacket queued for advisor approval
Gateadvisor approved → e-signature sent
Approvalbooks-and-records log updated
LogIntegrates Redtail or Wealthbox, your custodian portal, and eMoney or RightCapital. No rip-and-replace — the system runs the tools your team already trusts.
Anything that touches a client — every send, every paperwork packet — waits for a named person to approve it. Nothing consequential runs on autopilot.
Every step is logged with who approved what and when — built to support your books-and-records obligations, exportable whenever you need it.
We design the review points with your CCO, not around them. Compliance keeps the controls; the system does the chasing.
We never touch investment decisions. No models, no trading, no advice of any kind. Intake, prep, reporting, and logging — that's the whole scope.
The Live-in-30 Guarantee
If the Fiduciary Onboarding Engine isn’t live and cutting new-household intake to five days or less within 30 days of system access, we keep building at no extra cost until it is — conditional on access being granted and milestones approved on time. We put it in writing because we intend to be held to it.
RIA FAQ
We don't claim to make you compliant — no vendor honestly can. What we install is RIA compliance technology: the mechanics that support your obligations — a human-approval gate on every client-facing action and an audit trail of who approved what and when, built to support your books-and-records requirements. Your CCO keeps full oversight and signs off on the review points before anything goes live, and your compliance team gets written documentation of the system's data handling and controls for due-diligence.
Both, and that's the point. Most AI software for financial advisors is a tool you buy and then have to operate, integrate, and govern yourself. NAZCO builds the AI tools for financial advisors and runs them for you — the operations system is installed on your own stack, wired to Redtail or Wealthbox, your custodian portal, and eMoney or RightCapital, then maintained on a care retainer. You get software you own and a team that keeps it working, instead of one more login your staff has to learn.
You're covered two ways. The system is built on infrastructure your firm owns or controls — not rented from us — and every engagement ships with full handoff documentation plus code and configuration escrow. Any competent technical hire or consultant could pick it up tomorrow. The care retainer keeps us maintaining it, but it's never lock-in.
The free teardown takes days. The audit and roadmap run one to two weeks. The Fiduciary Onboarding Engine goes live within 30 days of system access — that's the Live-in-30 guarantee, in writing: if it isn't live and cutting intake to five days or less in that window, we keep building free until it is.
Investment advice — ever. No model portfolios, no rebalancing, no trade recommendations, no client advice of any kind. This is an operations system: intake, meeting prep, reporting, and compliance logging. Investment decisions stay entirely with your advisors, and oversight stays entirely with your CCO.
We retired our generalist work to serve exactly two kinds of firms, and independent RIAs in the $100M–$1B band are one of them: big enough that operations drag costs real money, small enough that nobody has built them a real system. We're based in Houston, so Texas firms get in-person working sessions — and we serve firms nationwide remotely.
The core build connects Redtail or Wealthbox for CRM, your custodian's portal for account paperwork, and eMoney or RightCapital for planning. If your stack differs, the audit maps exactly what's needed before we quote the build. No rip-and-replace, and nothing changes without your approval.
Start with the free 27-Point RIA Operations Teardown. We map the onboarding and admin drag, put an annual dollar number on it, and hand you the first fixes — whether or not we ever talk.
Free teardown · Live-in-30 guarantee · Operations only — never investment advice
