AI for financial services firms that still answer to a regulator.

Inbound contact forms, referrals, and inbound emails are auto-classified by service line, fee range, and fit. Out-of-scope inquiries get a polite redirect; in-scope ones get a discovery call invitation within 90 seconds.

From the prospect's intake responses + selected service line, the system generates a fully populated engagement letter with the partner's preferred clauses, queues for sign-off, and routes to DocuSign.

Once the engagement letter is signed, the system creates the engagement in the practice management system, opens the secure portal access, sends the welcome packet, requests the first PBC list, and schedules the kickoff meeting.

Before any new engagement, the system checks proposed client + related parties against the firm's existing engagements and the partner's personal financial-interest disclosures, surfacing potential independence threats for partner review under AICPA Code of Professional Conduct.

From the open PBC list per engagement, the system sends scheduled chasers for any document overdue by N days, notes when documents arrive in the portal, updates the PBC list, and surfaces stuck-clients to the engagement lead.

Each morning, every engagement lead gets a one-screen digest: PBC items received yesterday, items overdue, items stuck >2 weeks, clients who haven't logged into the portal in 30+ days.

Clients who haven't accessed their portal in N days get a friendly nudge with a direct link to the next pending action.

When a client uploads a batch (1099s, K-1s, brokerage statements, etc.), the system parses each one, cross-checks against expected documents for that client and tax year, and surfaces missing pieces immediately rather than at next review.

Every inbound email during surge season is auto-classified (PBC delivery / scope question / extension / clarifying / payment / urgent / other) and routed. Urgent goes to engagement lead within 5 minutes.

When a return is flagged as 'will not make April 15' (or Sept 15 for businesses), the system drafts the extension, calculates estimated tax due, queues for partner sign-off and client communication.

Common clarifying questions (amend last year? deduct this? when's the deadline?) get auto-replied with a templated answer + link to a partner-reviewed resource. Never tax advice. Always a structured pointer + offer to escalate.

Quarterly: identifies clients on estimated payment schedules, calculates suggested payments from the latest data, sends reminder + Form 1040-ES instructions + payment link.

For insurance brokerages: 14-step orchestration that pulls policy data, retrieves loss runs from carrier portals, drafts exposure questionnaire, follows up on missing data, builds market submission, organizes carrier responses, drafts coverage-comparison memo, drafts proposal, schedules client meeting.

Pulls loss-run reports from each carrier portal (Travelers, Chubb, Hartford, etc., n8n connects to all of them), normalizes the data, surfaces material loss patterns for the renewal memo.

For RIAs: at quarter-end, generates a draft review packet per household (performance commentary, allocation drift, RMD status, life-event flags, agenda) that the advisor reviews and signs off in 15-25 minutes.

Automatically tracks RMD status across all clients, sends reminders well in advance of December 31, drafts the RMD-distribution paperwork, queues for advisor sign-off.

Nightly: categorizes new transactions per client against learned rules + chart of accounts, assigns confidence scores, queues uncertain items for bookkeeper review.

Surfaces unusual transactions (large amounts, unusual vendors, account changes), missing-receipt patterns, duplicate suspects, and reconciliation gaps before month-end review.

Aggregates open missing-receipt items per client and sends a single batched request weekly, instead of trickling individual asks.

After month-end is reviewed and signed, generates the client deliverable (P&L, BS, cash flow, KPI summary, narrative cover note) and sends to the client portal.

Every outbound client communication is logged (who, when, what, channel, sender) with the audit trail required by SEC Rule 17a-4 / FINRA / state insurance regs. Searchable for examiners; immutable.

RIA-specific: tracks annual ADV brochure delivery + Form CRS delivery to new clients within required time windows; flags exceptions for the CCO.

Continuous monitoring of partner financial interests + family relationships against active engagements; flags potential independence threats under AICPA Code of Professional Conduct.

Flags trades or recommendations that may trigger Reg BI considerations (rollover, share class change, share class differential) before client communication is sent.