Tools and Services

Our tools and services are for senior executives and financial advisors

Our decision-making tools run "what-if" scenarios that relate to a trade sequence, fund’s pricing profile, or an advisor's practice. Is a trade suitable from a regulatory perspective? Is it prudent from a B/D’s perspective? Should an advisor move to fees or hire an assistant? As better decisions are made, wealth may rise and the potential for liability may fall.


These software tools display account value, cost, and advisor pay; sometimes pre- and post-tax. Each one is part of a custom package that reflects your brand. It includes sales material, audit letters, PowerPoints, and training. Click here for a demo.


Our consulting services are unique. We verify the accuracy of online tools, prospectus fee tables, suitability text, and the economic merit of trades – past and present. To have the results of your tools match those of the regulators, call us. If you don’t, they won’t. Click for details.


Tools for Compliance & Product Development Execs: Trade and Compliance Analyzer, Share Class Calculator

·      Quantify account value loss, and added cost, due to clean and T-shares

·      Evaluate conflicts of interest at the point of sale and over time (and at other times)

·      Equalize pay so that a client is indifferent between any two shares

·      Equalize pay so that a client is indifferent between brokerage and advisory 

·      Help investors choose the proper share class and avoid undue fees

·      Evaluate the economic merit of moving any client to an advisory account

·      Evaluate the corporate prudence of moving select clients to advisory accounts

·      Ensure that prospectus suitability text is consistent with the math

·      Identify more quickly issues of reverse churning (and fix them)

·      Identify a “prohibited transaction”…and assess if it makes sense to reverse

·      Create more accurate prospectus expense examples

·      Create sales material more quickly and accurately


Tools for Recruiting Execs and Advisors: Recruiting & Practice Valuation Tool

·      Create more competitive pay packages to recruit advisors

·      Compare competing offers from three firms simultaneously

·      Evaluate offering a fixed payout to a guaranteed production level

·      Project the impact of an offer on practice value at any future time

·      Evaluate how an advisor's sales mix affects a firm's revenue

·      Determine optimum loan repayment terms

·      Compare bonus options tied to assets, retention, and production

·      Maximize the value of an up-front check

·      Forge an optimal earn-out arrangement

·      Evaluate how returns affect pre- and post-tax income

·      See how differentials in payouts affect net income and practice value


Tools for Advisors: Product Mix, Convert Assets, & Lump Sum Calculators

·      Move new or existing dollars to fees

·      Work the back of a book

·      See how product fees affect assets and pay

·      Hire a sales assistant

·      Partner with another advisor

·      Eliminate unproductive accounts

·      Value a practice to buy or sell  

·      Evaluate a recruitment offer  

·      Compare different annuity or fund pay options

Our Main Tools

1) Trade & Compliance Analyzer What’s the economic merit of a trade?
View fund trades through the eyes of investors, advisors, and regulators. Know in advance if account value is maximized, cost is minimized, and conflicts are eliminated. In an arbitration, know in advance if the math supports your trade or if the opposing claim has merit.


<![if !vml]><![if !vml]><![endif]><![endif]>With extreme accuracy, it models trades in terms of account value, total cost of ownership, and advisor pay. It handles traditional and clean shares, and any mix of benefits like LOI, ROA, and free exchanges. Results reflect fund-level and account-level costs, like wrap fees.


Use this tool to satisfy SEC due diligence, disclosure, and documentation requirements under Regulation Best Interest. Set policy and monitor advisors’ compliance with firm-level guidance. Quickly identify conflicts of interest, prohibited transactions and cases of reverse churning. Results are audited. Federal Regulators License THE Algorithms.


2) Share Class Analyzer - How does fund pricing affect suitability and revenue?
The federal regulators license this tool. It calculates account values, fees, advisor pay, and revenue for any class of any fund. Handles any investment, breakpoint, CDSC, return, fees, cost of capital, or B/A flip. Investors can pick the best share. Financial advisors can estimate their pay. Boards can evaluate a firm's liability. CFOs can see how pricing affects revenue. Compliance officers can spot conflicts-of-interest and create more accurate prospectus fee examples.
Audited by independent CPAs and a securities lawyer.

3) Convert Assets Calculator - Should an advisor work the back-of-a-book?
Determines the effect of converting any part of the "back-of-a-book" to fee- or load-based products. For example, it evaluates converting 25% of these assets to managed money paying 1.5%/yr. It handles any returns, B/D payout, book-of-business, valuation factors, and many products. Gross and net commissions display as well as practice value.

4) Product Mix Calculator - How does a sales mix affect assets, pay, and practice value?
Evaluates how changing a future sales mix affects assets and pay. Handles any returns, fee schedule, payout, book of business, and most products. Displays assets, gross and net pay. Practice value is derived from the results. For example, it compares moving $5 million in sales from A-shares to C-shares and annuities.

5) Lump Sum Calculator - How do prices and return affect assets and pay?
Evaluates how a single trade affects assets and pay. A book of business is not modeled. Advisor assets and pay are displayed for different sales mix, pricing, or return scenarios. Compare, for example, an annuity paying 6% and no trail to one paying 4% and a 0.5% trail. It handles any returns, fee schedule, and most products.

6) Recruiting and Practice Valuation Tool - How do competing offers compare?
Evaluate competing offers or create the most compelling one. This tool is for recruiters and sales managers. It’s also for reps who take a check, forge an earn-out, or sell-out completely. The tool displays gross and net commissions, net-deal-worth, client assets, and practice value. It considers loan terms, interest rates, forfeiture clauses, returns, client acquisition and attrition rates, pricing profiles, before and after pay-outs, deferred comp gained/lost, and revenue mixes (e.g., wrap fees, commissions, planning fees, and insurance premiums). It also considers the costs for independent reps, like overhead, licenses, rent, and ticket charges.

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