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
Recognition
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?
The 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.
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
Client reporting assembled manually from disconnected systems
According to a CircleBlack RIA industry report, the average RIA spends nearly 40% of their time on administrative tasks, with manual client reporting cited as one of the largest single drains. When performance data lives in Orion, transaction records sit in your custodian's portal, and held-away assets require a separate export from Envestnet, 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 Schwab, Fidelity, Pershing, TD, and any other custodian your clients use cuts assembly time out of the equation. Reports run on demand, not on a production cycle. Clients get a consistent view regardless of where their assets are held.
Portfolio rebalancing running on spreadsheets and manual checklists
When rebalancing is a manual process, 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. Errors in trade entry create positions that sit misaligned until the next manual check.Automated rebalancing that watches drift thresholds across every account, queues tax-aware trades across accounts in a household, and routes orders to the right custodian without manual intervention changes the economics of managing a large book. A firm that manually rebalances 200 accounts can manage 2,000 with the same team once the process runs on rules rather than people.
Compliance prep that reconstructs audit trails from emails and PDFs
When the SEC or FINRA comes for an exam, the preparation cycle typically takes two weeks of someone's time pulling emails, trade records, meeting notes, and fee disclosure documents from separate systems. That is two weeks of operational staff time spent on a task that automation handles in hours. The risk is not just the time cost. A manually assembled audit trail has gaps. A reconstructed record of client interactions from email is incomplete by definition. Any system that doesn't capture the decision log automatically creates regulatory exposure that grows with firm size.Compliance workflows built into the software itself, audit trails that write automatically, and trade surveillance that flags exceptions in real time turn a biennial scramble into a report that prints on demand.
Off-the-shelf platform limiting what your investment process can express
Every major portfolio management platform has configuration limits. When your model allocation methodology requires logic the platform's rules engine cannot express, when your fee billing calculation has tiers or client-level overrides the software doesn't support, when your client reporting format needs data fields the platform doesn't track, the standard response is a workaround. The workaround is always a spreadsheet, an export, or a person manually bridging the gap. Each workaround is a point of failure and a scalability ceiling. Custom software built to your investment process removes the ceiling.
02 What we ship
We build portfolio management systems with multi-custodian data aggregation pulling from Schwab, Fidelity, Pershing, Interactive Brokers, and Apex Clearing. Performance calculation covers time-weighted and money-weighted returns, benchmarking against custom or standard indices, and composite reporting for GIPS-aligned firms. Trade order management covers 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. Sleeve management and model portfolio hierarchies support complex investment structures. The system runs your investment process, not a generic one.
Built for RIAs and wealth management firms whose current portfolio software forces manual workarounds, multi-family offices managing complex account structures, and investment platforms building a proprietary portfolio layer.
Rebalancing logic is 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 defined 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. For firms managing separately managed accounts with SMA model delivery, sleeve rebalancing handles the multi-sleeve allocation without requiring individual account-level overrides. Automation of routine rebalancing typically reduces operational time by 20% or more in the first quarter of use.
Built for RIAs managing more than 100 accounts where manual rebalancing creates a team bottleneck, digital investment platforms delivering automated investing to retail clients, and multi-custodian firms where rebalancing currently requires separate workflows per custodian.
White-label client portals show performance, holdings, transactions, and financial planning progress in a format that reflects your firm's identity. Reporting covers individual accounts, household aggregation, and held-away assets when account aggregation data is available. PDF report generation runs on demand or on a scheduled cycle without staff intervention.
Performance attribution, benchmark comparison, and fee transparency reports give clients the depth that justifies advisory fees. Document vault for statements, tax documents, and agreement storage is included. Mobile-responsive design covers the clients who review portfolios on their phone. Custom data fields let you surface the metrics that matter to your specific client base.
Built for wealth management firms replacing manual quarterly report production, RIAs building a client experience that can compete with digital-first platforms, and family offices that need household-level reporting across complex ownership structures.
Risk profiling questionnaires calibrated to your investment methodology, not a generic risk score from 1 to 10, feed goal-based financial planning projections that show clients the probability of reaching their target given current savings and market assumptions. Model portfolio construction maps risk profiles to asset allocations. Automated execution routes orders to custodians via Alpaca, Interactive Brokers, or other broker APIs depending on your regulatory structure.
Fractional share support and threshold-based minimum investments let you serve clients at lower account sizes without compromising the investment model. Client onboarding with digital account opening, identity verification via Persona or Jumio, and e-signature for account agreements runs without manual staff steps. The compliance layer captures every profiling interaction and suitability determination automatically.
Built for registered investment advisers building a digital channel for smaller accounts, fintech companies building an automated investment product, and established wealth managers adding a robo tier without replacing their existing advisory platform.
SEC and FINRA compliance requirements are built into the system from discovery: audit trails that write automatically on every client interaction, trade surveillance that flags exceptions against your compliance rules in real time, and role-based access controls that enforce minimum necessary access to client data. Form ADV data, fee disclosure documentation, and fiduciary obligation records are maintained in a format that prints on demand for a regulatory exam.
AES-256 encryption at rest and TLS 1.3 in transit cover data security requirements. SOC 2-aligned infrastructure removes the need to build security controls from scratch. For UK-based firms, FCA suitability and appropriateness assessment records are captured with the same architecture. Compliance reporting that currently takes two weeks of manual work runs as a scheduled report.
Built for RIAs and wealth managers preparing for SEC or FINRA examination, firms that have grown to where ad-hoc compliance documentation is a material risk, and WealthTech startups that need compliance infrastructure built correctly from the start rather than retrofitted.
Financial planning software built to your firm's planning methodology covers retirement projection, education funding, major purchase planning, and tax optimization scenarios. Monte Carlo simulation shows clients a probability distribution of outcomes rather than a single-point projection that is outdated the moment market conditions change. What-if scenario modeling lets advisors test savings rate changes, retirement date adjustments, and Social Security claiming strategies in a client meeting.
Data integration with eMoney, MoneyGuide, or your existing planning tool is an option where a full replacement is not the goal. For firms that want a proprietary planning experience, the full planning engine is built to your data model. CRM integration with Salesforce, Redtail, or Wealthbox keeps client financial plan data in sync with the relationship record.
Built for wealth management firms where client planning conversations happen in a generic tool that doesn't reflect the firm's investment philosophy, RIAs building a planning-led client experience as a competitive differentiator, and digital platforms embedding financial planning into a broader money management product.
03 How we work
Companies we've built for
04 Track record
06 Client voices
Three-year average engagement. Founders and operators describing the work in their own words. No marketing varnish.
USARaftLabs nailed what other agencies couldn't — they started with our business problem and worked backwards to the right product. We were live in 14 weeks.
07 Why us
The industry changes. The broken process usually looks the same. Across 14+ industries and 100+ products, we recognise your problem fast, and we frame the fix around your margin and your operations.
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.
Vodafone, T-Mobile, Cisco, Energia, Aldi, Nike. Six years, 100+ products in production, 4.9 on Clutch. Serious businesses keep coming back because we stay accountable long after launch.
08 Questions
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. Costs start around $30,000 for a focused module and run to $120,000 or more for a complete platform. 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 behaviour 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.
Portfolio management software development
multi-custodian aggregation, performance calculation, model management, GIPS reporting
Robo-advisor development
risk profiling, goal-based planning, automated rebalancing, digital onboarding
Wealth management app development
client portal apps, advisor tools, biometric authentication, push notifications
Client reporting dashboard development
white-label portals, PDF report generation, benchmark comparison, held-away assets
Financial planning software development
Monte Carlo projection, retirement planning, goal tracking, CRM integration
Investment compliance software
SEC/FINRA audit trail, trade surveillance, fiduciary documentation, SOC 2
AI for WealthTech
AI financial advisor, portfolio analytics, anomaly detection, client insights
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.