Every feature, at a glance

Households & contacts

• Universal households — every contact belongs to one, even solo clients
• Household rollup of notes, tasks, documents, and activity
• Contact Overview signal strip — retirement confidence, Baby Steps progress, and beneficiary flags, drawn from the tabs that have them
• Auto-organized per-household document folder tree
• Automatic file re-homing when a member moves households
• Relationship mapping between contacts
• Rich contact profiles with encrypted photo storage and Gravatar fallback
• Social links per contact
• Organizations and referral sources
• Tags and segmentation
• Global fuzzy search across contacts, households, notes, and messages

Household finances

• Single shared household wealth profile behind every view
• Net worth tracking with trend over time
• Insurance coverage tracking
• Baby Steps milestone tracking, derived from the finances

Financial planning Professional

• Year-by-year tax planning on the current brackets
• Current tax tables — brackets, capital gains, IRMAA, QCD limits
• Multi-year Roth conversion comparison, adoptable into the plan
• Social Security claiming strategy — individual and spousal
• Rollover analysis with a documented recommendation
• Estate flow diagrams: who inherits what, per death scenario
• Beneficiary register with staleness and conflict flags
• College funding projections per child
• Goal tracking with on-track summaries
• Present-dollars vs future-dollars toggle throughout

Retirement decision engine Professional

• Lifecycle Monte Carlo simulation — 5,000 market paths per run
• Probability-of-success projections with a fan chart
• Couples modeling across two lifespans
• Federal taxes and RMDs applied in every scenario
• Dollar-framed spending guardrails, not just percentages
• Live what-if levers that recompute during the meeting
• Meeting Mode — a full-screen client-facing view of the plan, with advisor-only panels left out
• Named, saved scenarios you can re-apply and compare
• Point-in-time snapshots of a projection
• Key-driver breakdown and plain-language recommendations
• Built-in methodology and assumptions disclosure on every output

Client deliverables Professional

• One-page plan — the household's whole picture on a single sheet
• Full client review packet for the meeting
• PDF plan report, stored as an encrypted books-and-records artifact
• Your firm's logo and your own disclaimer block on every deliverable
• Built-in hypothetical-projection and not-tax-advice disclosures
• Deliverables shareable straight into the client portal

KYC & compliance

• Complete audit trail of creates, edits, and deletions
• KYC profiles, with wealth figures derived from the plan and overridable Professional
• Annual KYC review and sign-off, hard-gated on record readiness Professional
• Suitability attestations per client Professional
• Compliance obligation worklist — auto-derived and manual Professional
• Communications surveillance with review flags Professional
• Principal and supervisory review queues Professional
• Versioned document register — approve, retire, supersede Professional
• SEC 17a-4 / 204-2 retention with a delete-guard on protected records Professional
• Downloadable exam packet — register index, retention schedule, files Professional
• Firm-wide compliance dashboard Professional

Communications

• Unified interaction feed per contact and per household
• Editable rich-text notes with tables
• CSV export of any contact's or household's timeline
• Microsoft 365 email & calendar sync Professional
• Google Workspace (Gmail + Calendar) sync Professional
• RingCentral calls, SMS, MMS, and voicemail Professional
• Zoom Phone calls, SMS, and voicemail Professional
• Microsoft Teams voicemail Professional
• Per-user connect, so onboarding doesn't need an admin Professional
• Communications archive with a CSV export built for examiners Professional
• Call recording & voicemail archive, retained with the contact Max
• Recording transcripts where the provider supplies them Max
• Firm-wide Microsoft Teams call logs Max

Productivity & pipeline

• Task management with priorities and due dates
• Drag-and-drop pipeline board for prospects
• Public booking pages — Calendly-style client self-scheduling Professional
• Booked meetings written back to your connected calendar Professional
• New bookings create lead contacts automatically Professional
• Per-advisor settings, timezones, and notification preferences
• Command palette and keyboard-first navigation
• Reusable task templates Professional
• Task-template bundles that lay out a whole checklist Professional
• Reusable note templates Professional
• SmartVestor and other automatic lead capture Professional

Client portal Professional

• Read-only client logins on a separate hostname from the CRM
• Per-household control over exactly which surfaces a client sees
• Shared documents and plan deliverables
• Client uploads into a private vault, logged on the household timeline
• Invitation flow with expiring tokens; revoke access at any time
• Passkey sign-in for clients too
• Your firm's logo and compliance disclosure on every page
• Client logins are free and never count as a billed seat

Security & access Every plan

• Client data encrypted at rest under a key unique to each firm
• TLS 1.3 in transit
• Sensitive fields encrypted before they reach the database
• Multi-firm tenant isolation enforced by PostgreSQL row-level security
• Passwordless passkey sign-in — Face ID, Touch ID, Windows Hello, security keys
• Passkeys satisfy MFA; a firm-wide require-passkey policy is available
• Sign-in history — every sign-in, failed attempt and lockout for your team, with address and browser, kept 13 months; every member can see their own
• Account lockout and rate limiting on authentication
• Role separation: admin, advisor, staff, and a fenced-off client role
• Export your data at any time

Platform & operations

• Fast web workspace, light and dark
• PostgreSQL on Amazon RDS; encrypted document storage on Amazon S3
• Storage meter with a per-category breakdown
• System health page plus an in-app banner when an integration stops delivering
• Stale-sync detection — catches the failure where nothing errors and nothing arrives
• OAuth credential-expiry countdowns before a connection lapses
• Consistent UTC storage with per-advisor timezone display
• Self-serve signup and Stripe-managed billing, with a storage and seat view
• Assisted migration from Redtail — contacts, organizations, households, and note history, imported by our team
• Imported notes keep their original date and author and arrive as finalized records