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Compliance and governance

RIA compliance,
before it sends.

Review client emails and texts against your firm’s policy before they go out. Approve proposals and IPS documents, monitor managed accounts against the IPS and export the record for your next exam.

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✳ InvestipalFirm controls

Pre-send checks

ALPHA DRAFT · CLIENT EMAIL

Morgan household follow-up

Firm house styleApplied ✓
Required disclosureIncluded ✓
Firm checks3 of 3 passed ✓
Compliance reviewMedium risk To CCO queue

Trusted by leading advisory firms

Wellington Altus
Raymond James
Everspire
William Joseph
ProsperPlan
Woodgate
T3 Technology Hub
9.67/10Proposal generation & client onboarding · 2026
 Joe Moss AdvisorTech Book
Recommended toolRTQ, proposals & analysis
 Wealth Professional
5-StarWealth Tech 2026

What firms run into

Where compliance review falls behind.

Most firms we talk to still review email weeks after it sends, and texts not at all.

Advisors text clients from their own phones.

Compliance finds out what was promised when the client calls to complain.

An exam request means a week of exports.

Emails, texts, the IPS, approvals and the change log sit in different systems, and someone has to pull them together.

Drift turns up at the annual review.

An account can sit outside its IPS range for months, and the exception never gets written down.

Inside the workflow

Review emails, documents and accounts in one place.

Set your policy once, and Investipal checks each advisor’s emails, texts, documents and accounts against it.

DOCUMENT REVIEW

A clearer next step.
Account opening packageReview before submission
Client information Provided
Account details Provided
Client signature Missing

Before this moves forward

Request the missing signature.Then review the completed package.
Document completenessAdvisor review
Step 01

Catch risky wording before an email goes out.

Add the phrases you don’t want sent, like “guaranteed return”, and the disclosures a topic needs. Medium-risk emails go to compliance, and high-risk emails go back to the advisor with a suggested rewrite. Alpha’s drafts are checked too.

DOCUMENT HISTORY

A record of the work.
  1. 01Statement uploadedDocument · Activity · Context
  2. 02Analysis preparedDocument · Activity · Context
  3. 03Recommendation reviewedDocument · Activity · Context
Client recordReview history ↗
Step 02

Review texts and calls too.

With the CRM add-on and RingCentral, texts get the same review before they send. Opt-outs and do-not-contact flags apply to email and text, and you can export every call, text and voicemail by client.

RECOMMENDATION DOCUMENTATION

The reasoning behind the recommendation.
Client objectivesRisk profileCosts & fees

Advisor rationale

Recommendation detailsIncluded
DisclosuresFor review
Draft documentationAdvisor review
Step 03

Work every review from one console.

See each flagged message and why it was flagged, then approve, return or deny it. Track review requests for proposals, IPS documents, risk profiles and onboarding, with an assignee and a comment thread.

REGULATION BEST INTEREST

Four connected obligations.
01Disclosure
02Care
03Conflicts of interest
04Compliance
Step 04

Approve proposals and IPS documents.

Documents are read-only while in review and locked once approved. Lock template sections and disclosure language, and approve a firm template once to let unedited copies skip review. Alpha flags any proposal statement it can’t source.

Investment proposals ↗
✳ InvestipalPortfolio monitoring

IPS alerts · today

  1. Drift
    Patel householdEquity 71% · IPS band 55–65%
    Sent to advisor
  2. Stock
    Chen householdSingle stock 14% · Limit 10%
    Acknowledged
  3. No IPS
    Rivera householdAccount with no IPS target
    Needs IPS
Checked each business day
Step 05

Monitor managed accounts against the IPS.

Investipal checks managed accounts each business day against their IPS ranges and your single-stock limit. Send the advisor a task, or approve an exception with a reason, and see exposure by advisor and household.

Investment policy statements ↗
✳ AlphaAgent activity

Agent runs · today

  1. Onboard
    Chen household2 missing items turned into tasks
    Done
  2. Notes
    Morgan household3 tasks from meeting commitments
    Done
  3. IPS
    Patel householdRebalance review drafted · no trades placed
    Needs you
Never contacts clientsNever trades
Step 06

Add compliance steps to your playbooks.

Assign playbook steps to your compliance officer, with required fields and an approve or return decision. Set a review schedule for each client, and send risk questionnaire reminders by email and text.

✳ AlphaReview queue

Ready to review · 3

  1. Win
    Proposal commentaryMorgan household
    Ready to review
  2. Onboard
    Welcome emailChen household
    Needs you
  3. Serve
    Quarterly review reportPatel household
    Ready to review
Firm house style ✓Checks passed ✓
Step 07

Set the rules for Alpha.

Write firm instructions and checks that run on everything Alpha drafts. Alpha can’t send to clients. When Investipal turns on agents for your firm, choose which actions an agent can take alone and which need your approval.

AI for wealth management ↗

In good company

In our clients’ words.

Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients.
Pacific Portfolio Advisors
Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It’s an indispensable tool for any advisory firm looking to thrive in today’s competitive market.
William Joseph Capital Management

What you can show an examiner.

Pull these for any client when an exam request comes in.

Change history

Who created, changed, deleted or restored a client, account, portfolio, holding, proposal, comparison or best-interest record, and when, with the value before and after.

Message reviews

Each email and text the policy handled: the flags, the decision, the reviewer and the policy version in force. Export to CSV.

Phone records

Calls, texts and voicemails filed to each client, filterable by advisor and ready to export.

Agreements and disclosures

Form ADV, Form CRS and your agreements, with the date, time, IP address and browser of each client’s acceptance.

E-sign records

Each document sent, viewed, signed or declined, through DocuSign or the built-in provider.

Approvals and decisions

Who approved each proposal, IPS and comparison, the comments along the way, and every monitoring acknowledgment and exception with its reason.

Risk score overrides

A written rationale when an advisor overrides a client’s risk score.

RIA compliance software: what firms ask.

What is RIA compliance software?

RIA compliance software helps a firm supervise advisor activity and keep the records to show it. In Investipal, supervision runs inside the advisor workflow: client emails and texts are reviewed before they send, proposals and IPS documents can require approval, managed accounts are checked against their IPS, and the change history, consent records and decisions are kept as you go.

Can compliance review client emails before they are sent?

Yes. When your firm turns on its email policy, every client email an advisor sends from Investipal, including Alpha’s drafts, is checked before it goes out. Low-risk emails send, medium-risk emails wait for a compliance officer or the advisor confirms and sends, depending on your routing, and high-risk emails go back to the advisor to revise by default.

What does the email policy check?

Words and phrases your firm wants to catch, required disclosures for topics such as returns, screening questions at the sensitivity you choose, and an AI review that follows your instructions. Test the saved policy on a sample email, and each review carries the numbered policy version that applied.

What does the advisor see when an email is flagged?

The check runs in the advisor’s composer, with the reason and a suggested rewrite. A Compliance folder shows messages returned, blocked or waiting on review, and meeting reviews lock once approved.

Does it cover text messages and calls?

Yes, with the CRM add-on and RingCentral. Client texts pass the same review before they send, opt-outs are honored, and Phone records keeps every call, text and voicemail filed to a client, ready to export. Your firm turns texting and call recording on.

Can we require approval before a proposal or IPS reaches a client?

Yes. Turn on approvals for proposals, investment policy statements, and portfolio comparisons and simulations. The document turns read-only while it is in review and stays locked once approved.

How does IPS monitoring work?

When monitoring is turned on for your firm, Investipal checks managed accounts each business day after custodian data arrives. By default it flags an asset class more than 5 percentage points outside its IPS range and any single stock over 10% of the account, and your firm can change both. Alerts can go to the advisor as a task, be acknowledged or be approved as an exception with a reason.

Can we export records for an exam?

Yes. Export message reviews and phone records to CSV, and pull the change history, consent records, e-sign records and approval decisions for any client.

Can billing wait until a client accepts our agreements?

Yes. Set household billing to start when the client accepts your agreements and disclosures in the portal, and the acceptance is recorded with the date, time and IP address.

How do we keep advisors’ use of AI compliant?

Admins set Alpha’s firm instructions and the checks that run on everything it drafts, and every client email Alpha drafts goes through your email policy. Alpha can’t send to clients, flags proposal statements no source supports, and shows what it read for each piece of work.

Who can use the compliance console?

Users with the admin, compliance or enterprise admin role. The compliance role can see every client, read-only, and export.