in wealth is transferring across generations
Cerulli AssociatesBehavioral intelligence platform for wealth management
The Portfolio Was Fine.The Client Wasn't.
Most advisor-client breakdowns do not happen because the portfolio failed. They happen because the client panicked, froze, second-guessed the plan, or made an emotional decision at exactly the wrong time.
30-min walkthrough. No commitment.
Now in use with advisory teams and institutional partners across North America.
Why this matters
Most behavioral finance tools are built on surveys and assumptions. FIPI® — the Finliti Investor Profile Indicator® — is built on academic research validated by the University of Toronto and supported by the Ontario Securities Commission (OSC) Launchpad. Used by advisory teams across North America. No competitor has peer-reviewed the science behind their profiling. We did.
of clients cite lack of trust as a reason to leave
CapIntel / Logica Researchprofit impact possible from a 5% retention improvement
Harvard Business Reviewof US industry assets are now with independent and hybrid RIAs
Cerulli AssociatesZeal
Zeal
Drive toward opportunity and action.
Inhibition
Inhibition
Tendency to hesitate under risk.
Conventionality
Conventionality
Preference for familiar rules and norms.
Swag
Swag
Confidence in one’s own judgment.
North American Advisory Adoption
LiveIn active use with independent advisory teams — supported by live workshops, advisor feedback, and real client workflow testing.
Regulatory support
ContextDocumentation is stronger before the meeting even starts.
Retention signals flagged early
RetentionBehavioral pressure surfaces while there is still time to change the conversation and protect the relationship.
University of Toronto validated researchSupported by OSC LaunchpadBuilt for independent and hybrid RIAsUsed in live advisor workflow review
The human layer
Most portfolios fail at the human level.
Clients rarely leave because of a spreadsheet. They leave when fear, silence, second-guessing, or mistrust goes unseen.
Clients may describe themselves as risk-averse, balanced, or risk-taking.
Then markets move — and fear, frustration, silence, or second-guessing takes over.
The breakdown happens when stated risk tolerance does not match lived behavior, and the advisor only discovers the gap after the client feels ignored, unhappy, or ready to leave.
The real problem.
Your Clients Are Not Rational. Your Platform Should Know That. Finliti® is the only behavioral intelligence platform for wealth management built on peer-reviewed science, built around FIPI® as the defensible science no generic risk tool can replicate.
Stop guessing why clients panic. Start proving you knew first.
Pulse Layer
Behavioral alerts and suitability documentation in one operating layer.
Risk questionnaires capture a snapshot in calm weather. Finliti builds a behavioral record that holds up in annual review — documenting what clients will do, not just what they said they'd do on a quiet Tuesday.
North American Advisory Adoption. In active use with independent advisory teams, supported by live workshops, advisor feedback, and real client workflow testing.
Regulatory support. Documentation is stronger before the meeting even starts.
Retention signals are flagged early enough to shape the call, the review, and the follow-up.
Client Review Surface
Behavioral context is visible before the conversation turns reactive.
Profile context, communication guidance, and next-step support sit inside the advisor workflow instead of living in a disconnected research artifact.
Open a client record with context on pressure, hesitation, confidence, and reassurance needs before the meeting starts.
Use plain-language prompts to shape explanations, volatility calls, and family decision conversations.
Keep rationale, next steps, and behavioral signals close to the record so the relationship is easier to manage over time.
The five pain points advisors cannot solve with a spreadsheet.
Suitability, panic calls, heirs, communication, and churn all become clearer when behavior is visible.
Compliance exposure
01The suitability fiction
Risk questionnaires capture what clients said in calm weather. Markets reveal what they do when pressure arrives.
Volatility risk
02The panic call
The client wants out. The portfolio is intact. The real issue is emotional pressure arriving before the advisor has context.
Generational retention
03The heir problem
One family can share assets without sharing a decision style. The advisor finds out too late if the next generation never felt understood.
Communication risk
04The communication misfire
A technically correct explanation can still fail if the client processes uncertainty, confidence, or reassurance differently from the way the advisor communicates.
Attrition risk
05The invisible churn signal
The relationship weakens long before the transfer form appears. Behavioral drift often shows up before formal dissatisfaction does.
From profile insight to advisor action.
A clear operating model for advisory teams, independent practices, and family-office style client relationships.
01
Profile behavior
Capture how a client tends to respond to uncertainty, pressure, and framing before those patterns create problems in live conversations.
- 15-minute FIPI® survey
- Immediate client profile context
02
Guide the conversation
Use behavioral context to shape discovery, review meetings, volatility response, and family decision conversations.
- Meeting prep
- Communication guidance
- Plain-language prompts
03
Document the rationale
Carry behavioral context into suitability reviews, client records, and follow-up workflows so action is easier to explain and defend.
- Suitability support
- Client record context
- Retention monitoring
Walk into the first meeting with clearer context on risk language, hesitation, and confidence.
Use pressure patterns to slow reactive decisions and anchor conversations back to plan logic.
Match communication style to how each client actually processes change, reassurance, and progress.
Proof it works across the US and Canada.
Advisors on both sides of the border are managing the same human problem. Finliti® closes the gap between what clients say and what they do.
Live workflow proof
Behavior becomes part of the advisory record, not a side note.
Pulse dashboard
Keep behavioral context, review prep, and follow-up work inside one advisor-facing dashboard.
Institutional credibility across the US and Canada.
The platform is already positioned for cross-border advisory teams, regulatory conversations, and institutional buyers.
US market credibility
FIPI® has been academically validated and presented through the Association for Psychological Science, giving Finliti® a research-backed foundation that goes beyond traditional risk questionnaires.
In active use with independent advisory teams across U.S. wealth markets, with live advisor feedback shaping product development and client workflows.
Built for firms that need practical workflow support across discovery, reviews, retention, and documentation.
Canadian market credibility
FIPI® is built on academic research validated with the University of Toronto and designed for real advisory application.
Finliti® has operated with direct regulatory support context through the Ontario Securities Commission Launchpad.
Institutional exposure and fintech diligence support from one of Canada’s most visible financial innovation programs.
Signals from the field.
Composite advisor personas representative of live advisory use cases.
Now I know which clients to call before the market does it for me.
Independent RIA · Dallas, TX · $310M AUM
We had a $4M estate where the three kids had completely different behavioral profiles. We retained all three accounts because we'd already built separate relationships with each of them.
Family Office · Phoenix, AZ · $2B
Behavioral context changed how we frame review meetings. The portfolio conversation became easier because the client felt understood earlier.
Independent advisory team · Toronto, ON · Multi-advisor practice
Now I know which clients to call before the market does it for me.
Independent RIA · Dallas, TX · $310M AUM
We had a $4M estate where the three kids had completely different behavioral profiles. We retained all three accounts because we'd already built separate relationships with each of them.
Family Office · Phoenix, AZ · $2B
Behavioral context changed how we frame review meetings. The portfolio conversation became easier because the client felt understood earlier.
Independent advisory team · Toronto, ON · Multi-advisor practice
Built for Independent Practices. Priced Like One Too.
No enterprise minimums. No 12-month lock-in on your first conversation. Just a behavioral layer that pays for itself the first time you keep a client you'd have otherwise lost.
Growth
$349/mobilled annuallyFor advisors building onboarding, retention, and family workflow into one system.
- Up to 50 client FIPI profiles
- +10 profiles included in the first workflow package
- Pulse dashboard
- Suitability context
Team
$749/mobilled annuallyFor teams standardizing advisor workflow across one shared operating model.
- 150 client profiles
- Up to 5 advisor seats
- Team reporting
Enterprise
Let's talkcustom pricingFor RIA aggregators, broker-dealers, and institutional buyers deploying across an advisor network.
- Unlimited seats and profiles
- Custom integration and API
- White-label options
- Dedicated success manager
- Compliance and diligence support
client retention
can drive up to a 95% increase in firm profitability
Harvard Business Reviewretained relationship value
average AUM value of a retained high-net-worth relationship
Industry estimate, 2025productivity increase
for firms using behavioral AI tools
Deloitte, 2025to see your workflow
including your own client scenarios
Finliti demo promiseOne retained client pays for Finliti® for years.
The question is not whether you can afford a behavioral layer. It is whether you can afford to keep running your practice without one.
30-minute walkthrough. No commitment. Toronto & Dallas.
Sources referenced across this page:
- Cerulli Associates wealth transfer and RIA market share data.
- CapIntel / Logica Research findings on trust and advisor retention drivers.
- Harvard Business Review retention-profitability benchmark.