Manual onboarding, error-prone compliance, and disconnected portfolio tools are some of the biggest roadblocks for modern advisory practices - and the pressure to grow AUM without increasing overhead is higher than ever. At Investipal, we’ve worked shoulder-to-shoulder with RIAs, independent advisors, and wealth management firms, so we understand these aren’t just workflow snags - they’re critical bottlenecks. This guide unpacks what a truly integrated workflow should look like: from seamless, one-link onboarding and automated AML checks, all the way to AI-driven portfolio construction and compliance, built for scale and speed.
Where the Modern Advisor Workflow Breaks Down
- Onboarding requires chasing paperwork, manually keying in statement data, and sending multiple links to clients with varied documents - costing hours and risking errors.
- Compliance checks slow things down and are often siloed in different processes and tools.
- Building personalized, optimized portfolios (let alone including alternatives) is complex, siloed, and almost impossible to scale.
If any of this sounds familiar, it’s likely your tech stack is stitched together from multiple point solutions. Let’s break down what an integrated, automated approach looks like - step by step.
Step 1: One-Link Onboarding - Simplified and Unified
- Send a single branded onboarding link to the prospect.
- Clients complete a modern risk tolerance questionnaire (RTQ), upload brokerage statements (PDF, PNG, even handwritten notes), and verify identities - all in one session.
- Complete advisory agreements and onboarding documents with eSignature.
- No more toggling between DocuSign, email, or custodial portals.
- Investipal’s AI-powered brokerage statement scanner instantly ingests PDFs, images, even handwritten notes, parses holdings, and creates a structured portfolio - no manual entry needed.
- Upload statements in any format - our OCR & AI extract every position, cost basis, and asset detail with precision.
- Processed data flows directly into your proposal engine and compliance tools, saving 3–5 hours per account and avoiding costly errors.
Step 2: Automated AML & KYC - Compliance at the Core
- Built-in KYC/AML forms capture all regulatory data at account open. No more chasing for missing items.
- Automated compliance checks instantly screen new clients using up-to-date sanction lists and identity checks.
- Digital audit trails with every document, eSignature, and data point.
This removes 95% of the time spent drafting or updating templated compliance documents.
Step 3: Holistic Portfolio Visualization from Day One
- No more fragmented reporting - immediately view the prospect’s aggregated accounts in a unified dashboard.
- Visualize every dimension of their current allocations, risk metrics, and exposures - all automated from data intake.
- Instant portfolio X-ray and comparison to your recommended models, highlighting overlaps, fees, and risk mismatches.
Step 4: AI-Powered Proposal Generation
- Run robust portfolio comparisons using 20+ risk and performance factors. Uncover what prospects’ portfolios are missing or where costs and concentration lurk.
- Just click to generate a tailored investment proposal - complete with visuals, plain language rationales, and compliance-ready documentation.
- Easily customize to your firm’s branding, and tailor recommendations by goal, account type, and risk tolerance.
Step 5: AI-Driven Portfolio Construction (Including Alternatives)
- Train Investipal’s AI on your unique investment universe - include public equities, ETFs, mutual funds, alternatives, and custom securities.
- Instantly generate institutional-grade, risk-adjusted portfolios tailored for every household, account type, and mandate - no black boxes.
- Explainability is at the core - see exactly why every allocation decision is made, and how portfolios align with client risk and income needs.
- Automated backtesting, stress testing, and drift monitoring are all built-in, empowering you to deliver real evidence - without hours of manual modeling.
Step 6: One-Click Compliance - No Second System Needed
- Every portfolio and proposal can come with an attached Investment Policy Statement (IPS), generated instantly and customized for every household.
- Continuous, automated compliance monitoring - keep every relationship aligned as markets and goals shift.
Step 7: Streamlined Client Engagement & Live Account Monitoring
- Investipal’s system notifies you of actionable re-engagement opportunities - ensuring you’re always reaching out with fresh, relevant insight, not outdated advice.
What Advisors Get: Quantifiable Results
- Onboarding time: Reduced from 1–2 weeks to under 10 minutes. Data flows straight from intake to proposals and compliance.
- Admin burden: Save 3–5 hours per household on statement parsing, data entry, and form chasing - no more NIGOs.
- Compliance risk: Eliminate manual errors; audit-ready documents are always available and up to date.
- Personalization and scale: Instantly deliver fully bespoke portfolios (across both public and alternative assets) and proposals, even as your book grows.
Why Now?
- Advisory margins are under pressure. The only way to grow AUM without compromising on personalization or compliance is with tightly integrated, AI-powered systems.
- Clients expect digital-first, frictionless onboarding and tailored advice - not fragmented, manual processes.
This isn’t the future. It’s what firms using Investipal are delivering today - and why those who automate are winning business and scaling painlessly.
Ready to See This Workflow In Action?
If you’re a financial advisor, RIA, or head of a wealth management team and still spending hours on paperwork, proposal formatting, or data entry - it’s time to upgrade your workflow. Book a personalized Investipal demo today and see how fully integrated onboarding, compliance, proposal, and AI portfolio tools let you focus on what matters: your client relationships and your firm’s growth.
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