Four productized compliance tools — Reg S-P incident response kit, SEC Marketing Rule pre-flight, ADV Part 2 update guardian, and Custody Rule trap detector — built for sub-$1B RIAs that can't justify a $10K/yr COMPLY or Smarsh seat.
These are the challenges we hear every single week from ria & wealth businesses just like yours.
Sub-$1.5B AUM RIAs must have a written incident response program, 30-day customer notification policy, and service-provider oversight checklist live by June 3, 2026. The SEC has been explicit: this is not a "good faith effort" deadline — it is enforceable on day one.
The SEC's 2024 enforcement sweep against AI-washing made every "AI-powered" claim in marketing, ADV Part 2A, and website copy a potential finding. Testimonials, performance claims, and third-party ratings all need Rule 206(4)-1 pre-clearance — and most sub-$1B firms still review marketing in a Slack thread.
Most CCOs treat the annual ADV Part 2A/2B refresh as a search-and-replace job. The exam team treats it as a representation of current practice. AUM band changes, fee schedule edits, conflict-of-interest disclosures, and material-change cover-page triggers all get missed in the diff.
Inadvertent custody is the most common Custody Rule finding — SLOAs misclassified as not creating custody, fee-deduction authority structured wrong, bill-pay authority on client accounts, password sharing on aggregation tools. Each one is a surprise CPA exam waiting on you at renewal.
We map your industry to a public 2026 AI deployment that ran the same play. Then we install the SMB version through our Agent Packs.
Luthor.ai built the productized SEC Marketing Rule pre-review tool the enterprise compliance vendors (Smarsh, COMPLY) refused to ship at SMB pricing. Sub-$1B RIAs use it because the SEC's 2024 AI-washing sweep made every testimonial, performance claim, and ADV bullet a potential exam finding.
Read the full case study →Sub-$1B RIAs have four compliance fires burning simultaneously: the June 3, 2026 Reg S-P smaller-entity deadline (incident response + 30-day notification + service-provider oversight), SEC AI-washing enforcement on marketing, annual ADV Part 2 updates everyone treats as boilerplate, and Custody Rule traps most CCOs trigger without knowing it. We ship four point tools mapped 1:1 to each fire — sized and priced for a 2-CCO shop, not a $10K/yr COMPLY seat.
See every Agent Pack →See the before-and-after for each automation -- and the ROI you can expect.
Drafting incident response from a Holland & Knight client alert and crossing your fingers
Drop-in IRP template + 30-day breach notification workflow + service-provider oversight checklist, mapped to §248.30 verbatim
Marketing emails AI-washed text to the CCO via Slack; nobody logs the review
Paste any marketing copy, ADV bullet, or website claim — pre-flight flags testimonial issues, performance-claim gaps, and AI-washing risk in 30 seconds, logged for the exam
Annual ADV refresh is a search-and-replace job nobody trusts
Diff your draft against last year's ADV + your current ops; the Guardian flags material changes, missing disclosures, and stale AUM/fee/conflict language
You think you don't have custody. The SEC will tell you otherwise.
Diagnostic walks your SLOA flow, fee-deduction setup, password practices, and bill-pay authority against 206(4)-2 + 2017 IM guidance — flags every inadvertent-custody trigger
Chief Compliance Officer
Reg S-P deadline 12 months out, no written IRP, no service-provider oversight matrix. ADV Part 2 last updated by an outside consultant 2 years ago at $9K. Marketing pre-review was a Slack thread. SLOA flow had at least two structural choices that the Kitces Custody piece flagged as inadvertent-custody triggers — but the CCO had never benchmarked against them.
Deployed the Reg S-P Kit (IRP + notification policy + service-provider checklist), Marketing Rule Pre-Flight on every outbound marketing piece + the ADV update draft, ADV Part 2 Update Guardian against the prior-year filing, and the Custody Trap Detector across the full SLOA + fee-deduction + bill-pay flow.
12 hours/week reclaimed from compliance review
Hours Saved
Avoided ~$24K in outside-counsel + outside-consultant spend
Revenue Increase
$9K/yr ADV refresh + $8K/yr surprise-CPA-exam risk eliminated
Cost Reduction
21 days to full deployment of all 4 tools
Timeframe
Adjust the sliders to see how much AI could save your ria & wealth business in year one.
Total First-Year Value
That's like hiring a full-time employee for 1/10th the cost
Time Saved
13h/week
$152,100/yr
Marketing Saved
30%
$5,400/yr
We get these questions every week. Here are straight answers.
Book a free 20-minute strategy call. We'll show you exactly which AI automations will have the biggest impact on your ria & wealth business.