24/7 client intake, annual review coordination, billing, and compliance reminders — built around FINRA and SEC regulatory expectations.
First contact is the single strongest predictor of whether a prospect signs. Advisors at mid-size firms run meetings all day; by the time the return call happens, the prospect has already met with a competitor.
Advisors spend a meaningful portion of their week on annual review scheduling, document requests, beneficiary updates, and retirement plan administrative follow-up. Every hour on coordination is an hour not spent giving advice.
ADV updates, Form CRS deliveries, 408(b)(2) disclosures, state notice filings — the calendar is relentless. Missing one deadline during a busy month creates real regulatory exposure.
New prospect intake, suitability pre-screen routing, escalation to the right advisor. Monitors compliance filing deadlines with 30/14/7/1-day reminders.
Prospect follow-up within 60 seconds, initial consult scheduling, annual review cadence nudges. No lead sits in voicemail overnight.
Client-portal issues, document upload assistance, e-signature follow-up, account-opening blockers. Resolves or escalates to your IT contact.
Advisory fee invoice generation, aging-AR follow-up, quarterly fee billing reconciliation reminders. Never touches client brokerage or advisory accounts without advisor approval.
Annual review scheduling across advisors, Form ADV and Form CRS deadline monitoring, client birthday/RMD age tracking. Nothing falls through the cracks.
FINRA and the SEC have issued clear expectations for broker-dealers and investment advisers using AI tools. FINRA Regulatory Notice 24-09 addresses generative AI and large language models in member firm operations — supervisory obligations, customer communications, recordkeeping, and risk management. SEC Regulation Best Interest establishes the conduct standard for broker-dealers recommending securities to retail customers. Form CRS delivery obligations apply across the client relationship lifecycle.
MoeCloud was built around these expectations from day one — human-in-the-loop approval for anything client-facing, full action logging for regulatory audit, no confidential customer data in open AI systems, and immutable records of every autonomous action.
Stacy, our billing agent, operates only on advisory-fee invoicing and firm operating accounts. Client brokerage accounts, custodian-held assets, and trust accounts are never accessed by the agent fleet. Money movements, custodian instructions, and any activity involving client funds remain under your advisors' direct control, as required by the Investment Advisers Act and custodian operating agreements.
Redtail (primary integration), Wealthbox, Salesforce Financial Services Cloud
Orion, Black Diamond, eMoney
Gmail / Microsoft 365 with compliance archive integration
Google Calendar / Outlook
GCP (Firebase, Cloud Functions, Cloud Storage) with SOC-2-aligned controls
Every autonomous action logged; critical decisions gated to advisor approval
WORM-compliant logging for SEC 17a-4 / FINRA 4511 retention requirements
Thomson Reuters' 2025 Future of Professionals Report found that organizations with a clear AI strategy are 3.5 times more likely to experience critical AI benefits than those taking an ad-hoc approach.
Gartner predicts over 40% of agentic AI projects will be canceled by the end of 2027, due to escalating costs, unclear business value, or inadequate risk controls. MoeCloud's architecture — human-supervised, fully logged, integrated into existing CRM and custodian workflows — was designed to address exactly those failure modes.
3 agents. Best for practices under 10 advisors.
All 5 agents. Recommended for multi-advisor practices.
Multi-office, custom integrations, SLA guarantees.
New advisory firm clients start with a 30-day proof engagement at the standard monthly rate. If the agents haven't demonstrably reduced your prospect response time and review scheduling cycle by day 30, we refund the month in full. No discounted pilot pricing — we don't anchor you to a number we can't sustain.
Case study forthcoming — NJ-based RIA, multi-advisor practice. Baseline metrics under collection.
Every outbound client communication is logged with full content, timestamp, and recipient. The default configuration requires advisor approval before any client-facing message goes out. As your firm builds confidence, you can selectively enable auto-send for routine items (meeting confirmations, document request reminders) while keeping advice-related communications gated.
No. Stacy operates only on advisory-fee invoicing and firm operating accounts. Client assets remain entirely at the custodian, under your advisors' direct control.
All agent actions are written to WORM-compliant logs with cryptographic verification. Log exports for compliance audit are available on demand. The logging system was designed to satisfy both SEC 17a-4(f) and FINRA 4511 retention requirements out of the box.
Yes. Lucy tracks Form CRS delivery events — new client onboarding, material amendments, certain relationship changes — and generates delivery tasks with full audit trail. Final delivery remains a gated action requiring advisor approval.
MoeCloud integrates with Redtail CRM for contact sync, activity logging, workflow triggers, and calendar. Redtail Speak integration is supported for compliant text messaging. Orion, Black Diamond, and eMoney are supported for portfolio data read-only access.
A standard Redtail-based firm is live in 2-3 hours. That includes Redtail API connection, agent configuration for your service model, intake form mapping, and a walkthrough of the approval workflow. Multi-custodian or custom-integration firms typically take 1-2 business days.
We monitor FINRA Regulatory Notices, SEC rulemaking, and state securities regulator guidance as part of ongoing service. If guidance changes the compliance landscape for AI in financial services, we update agent behavior to conform — and notify your firm of what changed and why. This is included in all plans, not an add-on.
Book a 20-minute demo with Jordan. We'll show you the agents running live on an advisory firm workflow — prospect intake to quarterly review.