Automated life-event compliant workflows that save hundreds of financial advisor hours, creating more time for client acquisition and growth.

FOR THE MANAGING PARTNER, COO, OR CLIENT EXPERIENCE LEADER

Capacity and revenue per advisor. Both already under pressure.

A single life event unfolds as a stack of decisions, and each layer changes what the one before it meant.

• The documentation: which form, how many certified copies, whether an agency accepts a copy or demands the original, that alone varies before anything else happens.
• Then the jurisdiction: whether an asset is taxed, how much of it she gets to keep, and who's legally entitled to it in the first place can all depend on the state, and sometimes the county, she lives in.
• Then the client context within that jurisdiction where a single detail about the client can flip the entire answer: was the retirement account his to begin with, or had he already inherited it from someone else? One path allows a spousal rollover; the other triggers an entirely different rule set. Had he reached his Required Beginning Date? Was there a will, or does the state's intestacy law decide who inherits?
• Then the expert or institution the answer actually requires: an estate attorney for the retitling, a CPA for the portability election, the insurer with its own state-specific payment deadline, the employer's HR department for a death benefit, a plan administrator for a stock option that expires in 90 days if nobody knows to ask, each one a separate call, each with their own calendar.
• Then the digital tools required to actually execute it: the custodian platform to move the asset, the CRM to log what was just decided, financial planning software to model what it means for retirement, sometimes a public locator tool just to track down a policy nobody remembers exists.

These workflows are highly complex, spanning jurisdictions, client context, human experts, and software tools, all rooted in a single decision that has to be made correctly. In spousal death alone, there are at least twenty-two decisions like this one.