Advisors see their book. Nobody sees the whole client.
The accounts that decide a client’s real risk, the 401(k), the HSA, the outside brokerage, sit where an advisor’s software cannot reach. The standard fix is emailed statements. The contested fix, credential sharing, is being banned custodian by custodian. We are researching the third way with practicing advisors, and there is nothing to buy on this page.
| Household | Account | Custody | Value | Signal |
|---|---|---|---|---|
| Household A | Taxable · Schwab | In custody | $412,800 | no signal |
| Household A | 401(k) · Fidelity | Held away | $688,200 | NVDA 31% of household across all three accounts |
| Household A | RSU · Shareworks | Held away | $194,500 | no signal |
| Household B | IRA · Schwab | In custody | $897,400 | Drifted 6.4 pts from the household target since March |
| Household B | 403(b) · Empower | Held away | $241,900 | no signal |
| Household C | Brokerage · Vanguard | Held away | $156,300 | Holds MU · filing last week contradicts the stated reason |
NVDA 31% of household across all three accounts
Drifted 6.4 pts from the household target since March
Holds MU · filing last week contradicts the stated reason
Six things we are testing with practicing advisors.
The whole book, by name
Every client holding a given security across every account, custodied or not. The list-holders lookup wirehouse desks have and independents lack.
Reasons, monitored
A reason on file for each position, read daily against filings, with verbatim citations when something contradicts it. No reason on file is itself a flag.
What changed overnight
Concentration that crossed a line, drift past tolerance, evidence against a held reason. Not a news feed. What moved in your book.
The pre-meeting brief
Before the 2pm: what changed in this household since you last met, across all of their accounts, with the receipts attached.
MCP for your AI tools
A read-only, audit-logged layer so the notetaker and CRM assistant you already pay for can answer questions about actual portfolios.
Read-only by construction
Client-permissioned, token-based connections. No credentials stored, no trading capability anywhere in the design, revocable by the client.
The client grants sight. Nothing else exists.
The client authorizes each account through their institution’s own login. The institution issues a revocable token. Here is the entire scope we are designing to, enforced at the protocol level, not promised in a policy.
- Balances and holdings
- Transactions and history
- Ongoing visibility, in-custody and held-away alike
- Audit-logged queries from your AI tools
- Stored credentials
- Trading capability
- Money movement
- Model training on client data
Twenty minutes. No pitch.
We want advisors who feel the outside-account blind spot weekly: fee-only planners, RIA owner-operators, and advisors at larger firms who are candid about what their tools do not show them. Your workflow, your morning, what you would actually use.
Interviews shape what gets built and whether it gets built.
- What are held-away assets?
- Can an advisor see a client’s outside accounts?
- Pontera alternatives after the custodian crackdown
- What Pontera actually costs
- ByAllAccounts alternatives after the Pello collapse
- Account aggregation: the 2026 field guide
- Plaid for advisors: coverage, verified
- MCP for advisors, in plain language
- AI tools for advisors, by the job they do
- The RIA tech stack in 2026
- ChatGPT prompts, and the rules before them