Households & contacts
- Universal households — every contact belongs to a household
- Rich contact profiles
- Encrypted contact photo storage
- Automatic photo fallback
- Social links per contact
- Relationship mapping between contacts
- Household-wide rollup of notes, tasks, documents, and activity
- Auto-organized per-household document folder tree
- Automatic file re-homing when members move households
- Tags and segmentation
Financial planning
- Single shared household wealth profile
- Net worth tracking with trend over time
- Year-by-year tax planning
- Current tax tables (brackets, capital gains, IRMAA, QCD)
- Social Security claiming strategy — individual and spousal
- Rollover analysis
- College funding projections
- Insurance coverage tracking
- Estate planning details
- Baby Steps milestone tracking
- Printable client review packet
Retirement decision engine
- Lifecycle Monte Carlo simulation
- Probability-of-success projections
- Couples modeling
- Taxes and RMDs in every scenario
- Spending guardrails
- Client-friendly retirement dashboard
KYC & compliance
- KYC profiles derived from the plan, with overrides
- Suitability attestations per client
- Compliance obligation worklist — derived and manual
- Communications surveillance and review flags
- Principal / supervisory review queues
- Versioned document register (approve / retire / supersede)
- SEC 17a-4 / 204-2 retention with delete-guard
- Firm-wide compliance dashboard
- Complete audit trail
Communications & productivity
- Unified interaction feed per contact
- Microsoft 365 (Outlook) email sync
- Calendar sync
- RingCentral calls, SMS, MMS, and voicemail
- Call recording and voicemail retention
- Editable rich-text notes with tables
- Reusable note templates
- Task management
- Reusable task templates
- Drag-and-drop pipeline board
- Automatic lead creation (SmartVestor and other sources)
- Global fuzzy search
Mobile, security & platform
- Native iPad app
- Token-based mobile access
- Passwordless passkey sign-in (Face ID / Touch ID)
- Passkeys satisfy MFA firm-wide
- Encrypted client data
- Multi-firm tenant isolation with row-level security
- PostgreSQL on AWS RDS with high availability
- Per-advisor settings, timezones, and notifications
- Consistent UTC storage