Wealth management firms and RIAs that have grown past $50M AUM often hit the same wall: off-the-shelf portfolio software handles the basics but forces manual workarounds for everything that differentiates the firm. Client reports get assembled in spreadsheets. Rebalancing runs on someone's checklist. Compliance prep eats two days before every SEC review. When your operational floor is built on disconnected tools and manual steps, growth adds cost instead of scale.
Portfolio management platforms with multi-custodian data aggregation, performance calculation, and automated rebalancing built to your model allocation rules
Robo-advisory engines with risk profiling, goal-based planning, and automated execution for digital investment platforms
Client reporting dashboards that pull live data from Schwab, Fidelity, Pershing, and other custodians without manual exports
SEC and FINRA compliance reporting with audit trails, trade surveillance, and fiduciary documentation built into every workflow
The problem
Sound familiar?
Advisors spending hours assembling client performance reports from three different systems because your reporting tool doesn't pull from all your custodians?
Portfolio rebalancing done manually from a spreadsheet because your current software can't apply your specific model allocation rules across all accounts at once?
Compliance team rebuilding audit trails from emails and PDFs before every regulatory review because nothing is captured automatically?
Short answer
RaftLabs builds custom WealthTech software for independent financial advisors, registered investment advisers, wealth management firms, and robo-advisory startups. We ship portfolio management tools, automated rebalancing engines, client reporting dashboards, goal-based financial planning platforms, and SEC/FINRA compliance reporting systems. Most projects deliver in 12 to 20 weeks at a fixed, agreed cost.
What is WealthTech software?
WealthTech software is custom technology built for wealth management firms, registered investment advisers, and digital investment platforms to automate portfolio management, client reporting, financial planning, and regulatory compliance. Unlike general-purpose financial software, WealthTech systems are built around specific investment methodologies, custodian relationships, and fiduciary obligations that off-the-shelf tools cannot fully model.
01 Diagnosis
Where wealth management software breaks
01
Problem
You own the tech stack but nobody uses most of it
Solution
Industry research finds advisors use only about 70 percent of the capabilities of the tools their firm already pays for, and 60 percent say lack of time is the biggest barrier. New software lands on already overloaded advisors. We design around that reality: the system removes work rather than adding screens. Reporting that took a day takes minutes. Rebalancing that took three people takes one review click. Advisors adopt software that gives them time back.
02
Problem
Client reporting assembled manually from disconnected systems
Solution
When performance data lives in the portfolio platform, transaction records sit in the custodian's portal, and held-away assets require a separate export, a quarterly report that should take minutes takes a full day. Every report cycle becomes a source of errors and a deadline risk when one data source is late. A unified reporting layer that pulls live data from every custodian your clients use cuts assembly out of the equation. Reports run on demand, not on a production cycle, and clients get a consistent view regardless of where their assets are held.
03
Problem
Rebalancing runs on spreadsheets and one person's checklist
Solution
When rebalancing is manual, you can only do it for a subset of accounts at a time, and it always takes the same three people to execute. Target drift goes unaddressed between scheduled reviews. Tax-loss harvesting opportunities get missed because no system is watching. Automated rebalancing that watches drift thresholds across every account, queues tax-aware trades across households, and routes orders to the right custodian without manual intervention changes the economics of a large book. The same team that manually rebalances 200 accounts can run 2,000 on rules.
04
Problem
Compliance prep reconstructs audit trails from emails and PDFs
Solution
When the SEC or FINRA comes for an exam, preparation typically takes two weeks of someone's time pulling emails, trade records, meeting notes, and fee disclosure documents from separate systems. A manually assembled audit trail has gaps by definition, and regulators now want proof that the fees charged match the advice delivered. Compliance workflows built into the software itself: audit trails that write automatically, trade surveillance that flags exceptions in real time, turn a biennial scramble into a report that prints on demand.
02 What we ship
WealthTech software we build
01
Portfolio management platforms
Multi-custodian data aggregation pulling from Schwab, Fidelity, Pershing, Interactive Brokers, and Apex Clearing. Performance calculation covering time-weighted and money-weighted returns, benchmarking against custom or standard indices, and composite reporting for GIPS-aligned firms. Trade order management: order generation, routing, allocation across accounts, and execution confirmation. Account-level and household-level views give advisors and clients different windows into the same data. The system runs your investment process, not a generic one. The outcome is a portfolio layer that matches how you actually invest.
02
Automated rebalancing engines
Rebalancing logic built to your specific model allocation rules: target weights, drift tolerances, tax-lot selection strategy, and cash management rules. Threshold-based triggers watch every account continuously and queue trades when drift exceeds your bands. Tax-loss harvesting runs across household accounts, pairing realized losses with gains before the rebalancing trade is submitted. Trade orders route to custodians via API, not through a manual CSV upload. The outcome is rebalancing that runs while your team sleeps.
03
Client reporting dashboards
White-label client portals showing performance, holdings, transactions, and financial planning progress in your firm's identity. Individual accounts, household aggregation, and held-away assets when aggregation data is available. PDF reports generated on demand or on a scheduled cycle without staff intervention. Performance attribution, benchmark comparison, and fee transparency reports that justify advisory fees. A document vault for statements, tax documents, and agreements. The outcome is reporting your advisors never have to assemble.
04
Robo-advisory platforms
Risk profiling questionnaires calibrated to your investment methodology, not a generic 1-to-10 score, feeding goal-based planning projections that show clients the probability of reaching their target. Model portfolio construction mapping risk profiles to asset allocations. Automated execution via broker APIs. Fractional share support and threshold-based minimums so you can serve smaller accounts without compromising the investment model. Digital onboarding with account opening, identity verification, and e-signature, no manual staff steps. The outcome is a digital channel that doesn't dilute the brand.
05
Compliance and regulatory reporting
SEC and FINRA requirements built in from discovery: audit trails that write automatically on every client interaction, trade surveillance flagging exceptions against your compliance rules in real time, role-based access controls enforcing minimum necessary access. Form ADV data, fee disclosure documentation, and fiduciary obligation records maintained in a format that prints on demand for a regulatory exam. AES-256 at rest, TLS 1.3 in transit, SOC 2-aligned infrastructure. The outcome is an exam your team prepares for in hours, not weeks.
06
Goal-based financial planning tools
Financial planning built to your firm's methodology: retirement projection, education funding, major purchase planning, and tax optimization scenarios. Monte Carlo simulation showing clients a probability distribution of outcomes rather than a single-point projection. What-if modeling for savings rate changes, retirement date adjustments, and Social Security claiming strategies, runnable inside a client meeting. Optional integration with eMoney or MoneyGuide where full replacement isn't the goal. The outcome is planning conversations in your firm's voice, not a generic tool's.
03 Buy, build, or wait
The WealthTech decision is rarely about features. It's about the workaround tax: the manual steps, the exports, the person bridging the gap between systems every single week.
Keep what works
The platform that fits your model
Orion, Tamarac, Addepar: the right choice when your workflow fits their model and the workarounds are rare.
Existing planning tools
eMoney, MoneyGuide: integrate where full replacement isn't the goal.
Your custodian relationships
Schwab, Fidelity, Pershing: keep them. Custom software connects to them.
Build custom
The differentiating 20%
Your proprietary model allocation logic, the multi-custodian reconciliation layer, the white-label client portal. Often the product difference that justifies client fees.
The recurring workaround
If you rebuild the same manual step every week because the platform can't do it, two years of that workaround usually costs more than the build.
The data you own
Your client data, your rules, your audit trail, in systems you control, not behind an extraction fee.
Bottom line
Keep the platform. Build what makes you different.
04 How we work
How we build WealthTech software
01
Discovery and data mapping
Two to three weeks mapping your investment process, custodian relationships, compliance obligations, and the specific gaps in your current technology stack. We identify which workflows need custom software, which stay on existing platforms, and where integration is the highest-risk dependency. A fixed-price specification is produced before development begins. Custodian API access and data feed formats are confirmed during this phase, not discovered mid-build. The risk this retires: the mid-project discovery that the data you need isn't accessible.
02
Architecture and integrations
We design the data model around your portfolio management requirements: account hierarchy, performance calculation methodology, rebalancing rule structure, and compliance audit trail schema. Custodian integrations are prototyped in the first sprint because data quality and API limitations are the most common cause of scope changes. Regulatory data handling, encryption architecture, and access control are locked before any feature code is written. The risk this retires: scope changes driven by data quality surprises.
03
Build and review
Two-week sprints with working software at each checkpoint. Core data aggregation and portfolio calculation ships first. Rebalancing automation, client-facing reporting, and compliance workflows follow. Compliance requirements are part of the definition of done for every feature. You review working software at each sprint, not wireframes. The risk this retires: the big-bang delivery that misses the mark.
04
Launch and iteration
Phased go-live starting with a controlled subset of accounts before full deployment. Custodian data feeds are validated against expected outputs before advisors and clients move to the new system. Historical data is ported with performance replication verified against your existing records. Post-launch support handles regulatory changes, custodian API updates, and product iterations as your firm grows. The risk this retires: the cutover that loses client trust.
Trusted by
05 Track record
What a first build looks like
01
Weeks for a focused module: reporting dashboard or rebalancing engine
10-14
02
Weeks for a full platform with multi-custodian aggregation and client portal
16-28
03
Cost agreed before development starts
Fixed
08 Why us
Why choose us?
01
We've seen your problem before
Across dozens of industries, we recognise your situation fast, then frame the fix around your margin and your operations, not a generic template.
02
We own the number, not the ticket
We measure success the way you do: hours saved, revenue earned, margin recovered. We stay through launch and growth, so the result is ours to own.
03
Serious businesses trust us
Vodafone, T-Mobile, Cisco, Energia, Aldi, Nike. Building since 2015. Serious businesses keep coming back because we stay accountable long after launch.
09 Questions
Common questions
Yes. We scope exactly what needs to be built custom versus what stays on your existing platform during discovery. That missing 20%: your proprietary model allocation logic, the multi-custodian reconciliation layer, the white-label client portal, is often the product difference that justifies client fees. We build the differentiating layer without requiring you to replace your whole stack.
Yes. We build robo-advisory platforms with risk questionnaire and profiling, model portfolio construction, goal-based savings projections, automated rebalancing triggered by drift thresholds, and custodian execution via broker APIs. The rebalancing logic is built to your rules, not a generic algorithm. We integrate with Alpaca, Interactive Brokers, Apex Clearing, and other execution venues depending on your regulatory structure.
Compliance requirements are designed into the system from discovery, not added after build. Audit trails capture every client interaction and trade decision. Role-based access controls, AES-256 data encryption at rest, TLS 1.3 in transit, and SOC 2-aligned infrastructure are standard. We don't provide legal or compliance certification, but we build systems that make your compliance team's review a report that prints on demand rather than a two-week manual reconstruction.
A client reporting dashboard or automated rebalancing module typically delivers in 10 to 14 weeks. A full wealth management platform with multi-custodian aggregation, client portal, and compliance reporting runs 16 to 28 weeks. Every project is scoped individually. Fixed cost is agreed before development starts.
Off-the-shelf platforms are the right choice when your workflow fits their model. Custom development makes sense when your investment methodology, fee structure, client reporting format, or compliance workflow requires behavior the platform's configuration layer cannot support. The test is simple: if you rebuild the same manual workaround every week because the platform cannot do it, the cost of that workaround over two years usually exceeds the cost of a custom build.
We integrate with Schwab (formerly TD Ameritrade), Fidelity, Pershing, Interactive Brokers, Apex Clearing, and other custodians that expose data feeds or APIs. Account aggregation for held-away assets connects via Plaid, MX, or Yodlee. CRM integrations cover Salesforce, Redtail, and Wealthbox. Financial planning integrations cover eMoney and MoneyGuide. We confirm data availability and API formats during discovery before committing them to the project scope.
Migration fear keeps most firms on platforms they've outgrown, so we treat the migration as a first-class deliverable. Historical performance data is ported with replication of your reported returns, data connections are re-established per client, and custom trading rules and billing structures are carried over. We run the new system in parallel with the old one until the numbers match, then cut over. You don't move until the new platform agrees with the old one.
Most advisors use only about 70% of the capabilities of the tools they already have, and lack of time is the biggest barrier. We design around that reality: the new system removes work rather than adding screens. Reporting that took a day takes minutes. Rebalancing that took three people takes one review click. Advisors adopt software that gives them time back; that's the adoption strategy.
Tell us your investment process, your custodian relationships, and where your current tools create manual work. We will scope what to build and what to keep.
Scope and cost agreed before work starts. No surprises. No obligation.
Working prototype within 3 weeks of kickoff.
Pay by milestone. You see progress before each invoice.
60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
