A.05 · CFO Agent (advisor-adapted)
Every custodian, every household, one view.
Aggregates custodian + CRM + Excel into one dashboard. Refreshes nightly. The household-level view you hold in your head, but actually written down.
// industry · I.03 · Financial Advisory
Independent fee-only advisors run on judgment, not headcount. The work that should be automated is the work that eats your week: quarterly review prep, compliance documentation, cross-custodian reporting. We build agents that handle the prep so you show up to the conversation.
// the pain
Different book sizes, same problems. Below is the short list of what we hear on every intake call from solo and small-team RIAs.
Pulling statements from custodians, reconciling positions, hand-building spreadsheets, drafting commentary the night before each meeting. Reviews start slipping when the book grows.
Trade rationale, life-event changes, suitability notes. The audit trail is supposed to be built as you go. In reality it is built two weeks before the exam.
Your custodian shows accounts. Your CRM shows people. You hold the household-level view together in your head and Excel. One wrong column and a tax-loss-harvesting opportunity walks.
Allocation drift. Fee accruals. Cash sweep balances. The little things that compound into a bad surprise at the next review.
// sample playbook
A walkthrough of the build we would scope for a typical solo or small-team fee-only RIA. Real client work is further down the page.
A solo or 2-person fee-only RIA. 15 to 30 client households. Stack: one or two custodians (Schwab, Fidelity, Altruist), a CRM, Excel, Google Workspace. Compliance done in-house.
Quarterly review prep eats a week per cycle. Compliance documentation slips. Cross-custodian reporting takes longer than the meeting itself.
// the stack
Each one ships with the integrations you already run. Pick all three, or start with one and grow the fleet from there.
Aggregates custodian + CRM + Excel into one dashboard. Refreshes nightly. The household-level view you hold in your head, but actually written down.
Tracks fee accruals, cash sweeps, and compliance-relevant trades. Drafts the audit-trail entries you keep meaning to write. You approve, it logs.
Quarterly review prep, client touch cadence, end-of-year summary. You show up to talk to the client, not to assemble the packet.
// timeline
Four steps. No drawn-out discovery. We talk, we scope, we build, you ship.
Ten-minute form. Cortland reads every one personally.
30-minute call, then a written scope back within 48 hours.
Agents wired to your stack. You review every output.
Agents in prod. Retainer takes over for tune-ups.
Builds start at $5,000, custom-quoted on the discovery call. Most advisor builds sit in the Operator retainer band ($1,750/mo) post-launch.
// real client work
The proof case. An independent fee-only investment advisor running 20+ client households, six months in production.
An independent fee-only investment advisor was prepping quarterly client reviews the hard way: pulling statements from custodians, reconciling positions, hand-building spreadsheets, drafting commentary the night before each meeting. Reviews started slipping. Compliance documentation was always one fire away from being a problem.
I used to dread the week before quarterly reviews. Now the packet is done before I open my calendar. I show up to talk to the client, not to assemble spreadsheets. -- Fee-only investment advisor
// FAQ
The four we get most often on the discovery call. If yours isn't here, ask it on the intake.
Agents draft, you approve. Every client-facing send (review packet, commentary, email) requires advisor sign-off by default. The agents are never the fiduciary; you are.
We integrate read-only by default. The agent reads positions and trades to build the dashboard. It does not place orders, never has direct trading authority. Order placement stays in your custodian portal where the trail already exists.
Yes, the audit-trail draft pattern works for both. We've adapted the compliance log for both reporting regimes. State-registered RIAs sometimes have tighter book-and-records rules; we match them.
Data lives in your infrastructure (your Google Workspace, your Postgres, your custodian feeds). The agent runs on Anthropic API with zero-retention enabled. We do not store client-identifying data on Cronk servers.
// next step
Tell us your custodian setup, your book size, and the work eating your prep weeks. Cortland reads every intake personally and gets back within 48 hours. The booking link to lock in a 30-minute call arrives after you submit.
Start the intake →