Financial advisory / wealth management software, built around FINRA, SEC and AUM fee billing engine

Arkathos gives a financial advisory a workspace tailored to how the work actually runs — This workspace is built around managing advisory client households and billing AUM-based fees under FINRA/SEC compliance. Arkathos tailors a financial advisory workspace around 5 agents: Sentinel, Treasury, Scribe, Watchtower, Herald.

Compliance a financial advisory can't afford to miss

Watchtower tracks every license, bond, insurance policy, and continuing-education requirement for a financial advisory, with renewal cadences and staged reminders so nothing lapses.

• A financial advisory must maintain a Investment Adviser Representative (IAR) registration, through the State securities regulator (NASAA IAR CE Model Rule; registration renewed annually via IARD/CRD), which renews every year.
• The Investment Adviser Representative (IAR) registration carries a continuing-education requirement of 12 hours per year (6h Ethics & Professional Responsibility, 6h Products & Practice).
• A financial advisory must maintain a Series 65 / Series 66 qualification exam (Uniform Investment Adviser Law Examination), through the NASAA (exam administered by FINRA), which has no fixed renewal cycle.
• A financial advisory must maintain a Investment Adviser firm registration (Form ADV / annual updating amendment), through the SEC or state securities regulator (filed via IARD; annual updating amendment due within 90 days of fiscal year-end), which renews every year.
• A financial advisory must maintain a CERTIFIED FINANCIAL PLANNER (CFP) certification, through the CFP Board, which renews every two years.
• The CERTIFIED FINANCIAL PLANNER (CFP) certification carries a continuing-education requirement of 30 hours every two years (2h Ethics, 28h General (CFP Board Principal Topics)).
• A financial advisory must maintain a FINRA continuing education (Regulatory Element + Firm Element) — dually-registered reps, through the FINRA (Rule 1240), which renews every year.
• A financial advisory must maintain a Professional liability / Errors & Omissions (E&O) insurance, through the Private insurer (state Department of Insurance-regulated), which renews every year.
• A financial advisory must maintain a General liability insurance, through the Private insurer (state Department of Insurance-regulated), which renews every year.
• A financial advisory must maintain a Cyber liability insurance, through the Private insurer (state Department of Insurance-regulated), which renews every year.
• A financial advisory must maintain a Workers' compensation insurance, through the State workers' compensation program / private insurer, which renews every year.
• A financial advisory must maintain a Investment adviser surety bond, through the State securities regulator (bond issued by a licensed surety company), which renews every year.
• A financial advisory must maintain a ERISA fidelity bond, through the U.S. Department of Labor (ERISA §412); bond from a Treasury-approved surety, which renews every year.

Everything Arkathos runs for a financial advisory

These are the agents set up first for a financial advisory — and because it's one platform, every plan includes all 16 Arkathos agents. Also included whenever you need them: Guardhouse, Quartermaster, Courier, War Room, Armory, Marshall, Mint Warden, Vault Keeper, Bulletin Board, Client Portal.

• Sentinel — Contact & lead management, Deal / estimate pipeline, Task & follow-up tracking, SMS & email outreach, Pipeline reporting.
• Treasury — Invoicing & payment collection, Expense tracking, Accounting & bookkeeping, Business tax prep & filing, Recurring billing & subscriptions, Financial dashboards & reports.
• Scribe — Document & contract templates, E-signature, Proposal & form builder, PDF / Word export.
• Watchtower — License & permit tracking, Certification & continuing-education (CE) tracking, Renewal reminders & alerts, Compliance document vault.
• Herald — SEO & get-found content, Social media scheduling, Email & newsletter campaigns, Brand voice & content studio, Review & reputation growth, AI-overview & directory visibility.

Your tailored financial advisory workspace

These are net-new, financial advisory-specific capabilities — not a generic CRM bolted onto your industry.

• AUM fee billing engine (Treasury): Quarterly fee calculation as tiered basis points on account values (billed in advance or arrears), per-household fee schedules, and custodian-debit reconciliation.
• Household / account aggregation CRM (Sentinel): Group clients into households, link custodial accounts, roll up total AUM, and track risk tolerance and review cadence as a first-class relationship view.
• KYC / suitability profile + AML screening (Sentinel): Capture net worth, income, investment objectives, and risk tolerance with AML/KYC identity screening, retained as books-and-records.
• Marketing pre-approval + communications archive (Watchtower): SEC Marketing Rule pre-approval workflow for any client-facing content plus immutable archiving of client communications for books-and-records exams.
• Form ADV / advisory-agreement / IPS templates (Scribe): Regulator-shaped document set (ADV Part 2 delivery acknowledgement, advisory agreement, Investment Policy Statement) with e-sign and delivery audit trail.
• RIA registration + Series/CFP CE tracker (Watchtower): State/SEC RIA registration renewals, Form U4 amendments, and Series 65/66/CFP continuing-education tracking with deadlines.

The agents and tabs you get

Sentinel for a financial advisory surfaces Overview, Contacts, Tasks, Chat. Treasury for a financial advisory surfaces Invoices, Financial sheet, Transactions, Chat. Scribe for a financial advisory surfaces Documents, Templates, Chat. Watchtower for a financial advisory surfaces Compliance items, Calendar, Policies, Chat. Herald for a financial advisory surfaces Brief, Compose, Get found, Directories, ✦Studio, Schedule, Chat, Brand voice.

Frequently asked questions

best software for financial advisors 2026

Advisors usually stack planning software (RightCapital, eMoney), a CRM (Wealthbox, Redtail), and compliance tools. Arkathos bundles CRM, scheduling, invoicing, payroll and marketing for the firm at flat pricing.

how much does financial planning software cost for advisors

Standalone planning tools run roughly $500 to $2,700/year per advisor (MoneyTree ~$495, NaviPlan ~$2,195); enterprise CRMs like Salesforce hit $325 to $750/user/month. Arkathos charges flat, with no per-seat fees.

best crm for a small financial advisory firm

Wealthbox and Redtail are the most popular advisor-built CRMs; Salesforce Financial Services Cloud fits larger firms but costs $325 to $750/user/month. Arkathos includes a CRM plus scheduling and marketing without per-seat charges.

do RIAs need compliance software for books and records

No specific software is mandated, but SEC Rule 204-2 requires keeping books, emails and texts for five years, so most RIAs use archiving tools like Smarsh or Red Oak to prove compliance.

how to start an RIA firm

File Form ADV and register with your state (under $100M AUM) or the SEC (over $110M), adopt written compliance policies, then set up CRM, scheduling and billing systems.

how do financial advisors get more clients

Referrals, SEO content, email nurture, social video and paid ads, often via tools like FMG Suite or Snappy Kraken. Arkathos runs email/social marketing, SEO content and scheduling from one platform.

all in one software for wealth management firms

Platforms like Orion and Advisor360 combine portfolio accounting, CRM, planning and compliance. For the business side (CRM, scheduling, invoicing, payroll and marketing), Arkathos consolidates it at flat, no-per-seat pricing.

ai note taker for financial advisor client meetings

Tools like Jump, Zocks and Zeplyn transcribe advisor meetings, draft CRM notes and follow-up tasks, and flag compliance items, cutting admin time and syncing notes straight into your CRM.

do i need financial planning software or can i just use excel

Excel works for simple cases, but planning software automates projections, tax and Monte Carlo analysis, client portals and compliant reporting, saving time and reducing errors as your client base grows.

What licenses and insurance does a financial advisory need?

Arkathos tracks 11 items for a financial advisory, including Investment Adviser Representative (IAR) registration, Series 65 / Series 66 qualification exam (Uniform Investment Adviser Law Examination), Investment Adviser firm registration (Form ADV / annual updating amendment), CERTIFIED FINANCIAL PLANNER (CFP) certification. Each renewal and expiration is monitored in Watchtower with staged reminders.

What continuing education is required for a financial advisory?

The Investment Adviser Representative (IAR) registration carries a continuing-education requirement of 12 hours per year (6h Ethics & Professional Responsibility, 6h Products & Practice). The CERTIFIED FINANCIAL PLANNER (CFP) certification carries a continuing-education requirement of 30 hours every two years (2h Ethics, 28h General (CFP Board Principal Topics)). Watchtower logs hours by category and flags shortfalls before the deadline.

Which Arkathos agents does a financial advisory get?

Arkathos tailors a financial advisory workspace around 5 agents: Sentinel, Treasury, Scribe, Watchtower, Herald.

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