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Capital & Wealth

Systems and AI for wealth managers, family offices, private equity and investment banks.

Your client history, the way you work and the decisions you make should stay with your firm. We put modern systems and AI to work around them, and your people stay in charge.

Start a conversation See the numbers

What we hear

Where the work gets stuck

A story most firms know: a senior adviser retires, or the firm moves to a new CRM. Within weeks, people ask “where did that go?”

  • Client history sits in one person’s inbox.

    Too often, what the firm knew sat in one person’s inbox or one vendor’s software.

  • Client history gets lost when you change CRM.

    Change software, and client notes and history can be hard to carry across.

  • Advisers retire.

    After many years with a client, much of what an adviser knew can leave with them.

  • Reviews take hours to prepare.

    More of an adviser’s week goes on behind-the-scenes work than on meeting clients.

The insight

More than a third of advisers plan to retire within ten years

More than a third of US advisers plan to retire within ten years. What they know should stay with the firm.

35 in 100 US financial advisers plan to retire within ten yearsA grid of 100 adviser figures. The 35 in the bottom right are filled in: they plan to retire within ten years.

35 in 100

US financial advisers plan to retire within the next ten years.

40%

of the industry’s assets are looked after by those advisers.

$124 trillion in wealth is expected to pass to heirs and charity through 2048.

Sources: Cerulli Associates, U.S. Advisor Edition, 3Q 2026; wealth transfer: Cerulli Associates, December 2024.

Read this chart as a list

A grid of 100 advisers, 35 of them highlighted: 35% of US financial advisers plan to retire within ten years. Beside it, a column filled to 40%: they manage 40% of industry assets. Below: $124 trillion is expected to pass to heirs and charity through 2048. Source: Cerulli Associates, 2026 and 2024.

The numbers

What is at stake

Every figure is from the named public source and year. Select a source to read it.

  • 35%

    of US financial advisers plan to retire within ten years. They manage 40% of industry assets.

    Cerulli Associates, 2026

  • $124 trillion

    in wealth is expected to pass to heirs and charity through 2048.

    Cerulli Associates, 2024

  • 20% vs 45%

    The typical financial planner spends about 20% of working time meeting clients, and 45% on behind-the-scenes tasks (Kitces Research studies, 2018 and 2020).

    Kitces Research, 2022

  • 32,000

    private-equity-owned companies, worth $3.8 trillion, are still unsold. For buyout funds, holding periods at exit are now around seven years.

    Bain & Company, Global Private Equity Report, 2026

Stage by stage

Where client work slips

Choose a stage to see what slips today, where AI can help and what your people decide.

Stage 1 Win the client

What slips today
What was promised in the first meetings sits in one adviser’s notes.
Where AI can help
Draft a meeting summary into the client’s record, for the adviser to check.
Your people decide
The advice and the proposal.

What it looks like

After a first meeting, the notes go into the firm’s record, not one person’s inbox.

Stage 2 Onboard

What slips today
Forms and documents are retyped from one system to the next.
Where AI can help
Pull details from the documents the client already sent, for your team to check.
Your people decide
What is approved, and what to ask again.

What it looks like

The client is asked once. Your team checks what was filled in.

Stage 3 Prepare the review

What slips today
Getting ready for a client review takes hours of gathering.
Where AI can help
Prepare the review pack from your own records, with the sources shown.
Your people decide
The recommendation to the client.

20% of working time

goes on meeting clients for the typical planner, against 45% behind the scenes (2018 and 2020 studies). Kitces Research, 2022

Stage 4 Report

What slips today
Reports are rebuilt by hand each quarter.
Where AI can help
Draft portfolio and impact reports from one set of numbers.
Your people decide
What goes to the client, and when.

What it looks like

Portfolio and impact reporting is part of what we are building with IIN.

Stage 5 Hand over the relationship

What slips today
An adviser retires, and what they knew can leave with them.
Where AI can help
Keep each client’s history in the firm’s own record, so the next adviser can pick it up.
Your people decide
Who takes on the client.

35 in 100

US financial advisers plan to retire within ten years. Cerulli Associates, 2026

Where we would start

Three places to start

Each one uses information you already have. Your people make the decisions.

  • Better-prepared client reviews.

    The review pack is prepared from your own records, with sources shown. The adviser decides what to recommend.

  • One record for each client.

    Notes, documents and history sit in one record your firm owns, so a new adviser can pick up where the last one left off.

  • Reports that answer the questions your committee asks.

    Portfolio and impact reports drawn from one set of numbers. This is part of what we are building with IIN.

Client notes, Email, CRM, Custodian files joined into one client recordSeparate tools (Client notes, Email, CRM, Custodian files) are drawn as dashed tiles, each joined by a line to one solid block: One client record. Above it sits a plate: Your advisers decide.Client notesEmailCRMCustodian files One client record Your advisers decide
  • Your tools today: Client notes, Email, CRM and Custodian files
  • One client record, owned by your firm
  • Your advisers decide
Client notes, email, CRM and custodian files, joined into one client record. Your advisers decide.

The difference

What changes with Joan

  • Your client history stays with your firm, even when people or software change.
  • Your know-how and approvals stay with your firm too, so you can change a supplier or an AI model without starting over.
  • AI gathers, drafts and checks. Your people make the calls.
  • Licensed professionals keep the investment, legal and tax judgment.
How we build

Who does what

  • Your firm owns its client data, records, rules and decisions.
  • Your people make the calls. AI gathers, drafts and checks.
  • Licensed professionals keep the investment, legal and tax judgment.
  • We build the system with you and hand it over to your team. Our own tools stay separate from your client information.
  • Suppliers rent you the AI, software and cloud.

Sovereignty means your firm owns and controls where and how its work gets done: its know-how, its memory, its approvals, its record, its data and its choice of AI. Data sovereignty is one part of it.

What stays yours

Built for firms like yours

Five types of firm, each with its own page

Choose yours for what you get, an example and the questions firms like yours ask.

For your compliance team

Every AI-drafted client message is approved and recorded.

Each record shows who approved the message, when, and what they changed. When the examiner asks, it is one click.

Illustration: a log of client messages drafted with AI, each approved by a named person, with none sent without approval, ready to export for an examiner.

Illustration. Names and figures are invented.

Already at work

Two Capital & Wealth clients.

What we are building for clients today.

Illustration: a firm’s files, AI tools and staff inside one secured boundaryA dashed ring marks the firm’s secured Microsoft environment. Inside it, files sit on organised shelves, one set protected; an AI workspace sits in the middle; staff stand on the right, each signed in as themselves.

Illustration: a firm’s files, AI tools and staff inside one secured boundary

Wealth and advice

Impact Investors / IIN

We set up the firm’s Microsoft security so its staff can use AI safely, with Copilot configured around the firm’s own knowledge.

Illustration: a company’s technology, looked at from every sideA building stands for a portfolio company. A dashed ring around it stands for the review.

Illustration: a company’s technology, looked at from every side

Private equity

TNG Capital Partners

We are helping TNG judge whether a portfolio company’s technology is ready to grow.

Private-equity firms

Microsoft Cloud Solution Provider (CSP) partner

We build on Microsoft, Google Cloud, Anthropic Claude and OpenAI. The choice stays yours.

Security and compliance

What your compliance officer will ask

Data sovereignty, in plain words: we build in your own accounts wherever we can, so your client records and systems stay yours. Your firm decides how the controls meet its own obligations.

  • How do AI drafts fit our books and records?

    We build in your own accounts wherever we can, so drafts and records are kept in your own systems. Each question is logged for audit, with who asked and when. Your compliance team sets what is kept and for how long, to fit the record-keeping rules your firm follows.

  • Does client information stay private?

    We keep client details in your firm’s own systems wherever we can. Access follows your own permissions, and each person signs in with their own account. Joan does not train or fine-tune AI models on client data.

  • How does supervision work?

    AI drafts and checks. A named person at your firm reviews and approves before anything reaches a client, so supervision stays with your people.

Joan does not train or fine-tune AI models on client data.

Security and data sovereignty

Keep reading

Useful for every firm

All insights

Next step

Tell us where the work gets stuck.

Tell us what slows your advisers or your office down. Please leave out client and account details.

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