What disciplines does Strkr cover for financial professionals?
Strkr's financial professional pack covers wealth management (RIA, dual-registered), insurance (life, health, P&C, Medicare), banking (retail, commercial, treasury), mortgage (retail and wholesale origination), retirement plan consulting, commercial lending, and finance roles across sectors (corporate development, FP&A professionals, finance operations). The shared foundation (household model, licensing tracking, compliance archive, communication retention) applies across disciplines. Discipline-specific packs ship for the workflow (wealth management service calendar, insurance policy review cycle, mortgage refinance opportunity scan, commercial lending credit review). For firms operating in multiple disciplines, the shared household model surfaces cross-discipline opportunities while respecting the suitability and compliance obligations per discipline. Multi-office firms running different disciplines by location configure the per-office discipline mix with professional licensing surfaced accordingly.
What carrier and custodian integrations ship?
For securities: LPL Financial, Raymond James, Cambridge Investment Research, Commonwealth, Advisor Group, Osaic, Kestra, Equitable, MML, Northwestern Mutual Investment Services, Schwab Advisor Services, Fidelity WealthScape, Pershing NetX360, Altruist, TradePMR, Betterment for Advisors. For insurance: MIB Group, Vericity, iPipeline, Insurance Technologies, Agency Zoom, EZLynx, Applied Epic, HawkSoft, plus carrier-specific integrations with the common life carriers (Prudential, MassMutual, Northwestern Mutual, Guardian, John Hancock, Lincoln) and P&C carriers (Travelers, Hartford, Chubb, Nationwide). For banking: FIS, Fiserv, Jack Henry, Finastra, nCino. For mortgage: Encompass (ICE Mortgage Technology), Calyx Software, LendingPad, LenderPrice, Blue Sage, Byte Software. KMS-encrypted credential storage with the integration debugger surfacing every sync event. We never route the integration through Zapier because every integration ships as first-class native code.
How does Strkr handle compliance across multiple regulatory frameworks?
Multi-discipline firms carry compliance obligations across frameworks: FINRA Rule 17a-4 for broker-dealer, SEC Rule 204-2 for investment adviser (plus Rule 206(4)-7 compliance program), state insurance records retention (varies by state, typically 5 to 7 years), SAFE Act for mortgage origination, CFPB for consumer lending, state banking regulations for banking activities. The compliance archive handles retention per framework with WORM-compliant storage and searchable retrieval. The audit trail captures communications, suitability documentation, trade confirmations, and advertising review per the applicable framework. For firms with dual-registered professionals (Series 7 plus Series 65 for broker-dealer plus RIA activity), the suitability workflow applies the appropriate standard per transaction (broker-dealer suitability or fiduciary) based on the account type and professional registration. Exam preparation runs through the archive with sample retrieval tracked.
Can the multi-discipline household model handle complex family relationships?
Yes. The household model carries the full relationship graph: primary client, spouse, dependent children, adult children, parents in advisory roles, grandchildren, siblings in business relationships, trusts (revocable living, irrevocable, special needs, bypass, dynasty), business entities (closely-held business, partnership, LLC, S-corp, C-corp), foundation and philanthropic entities. Each party carries role in the planning context, consent status for information sharing, and discipline-specific involvement (which family members participate in wealth management decisions, which carry insurance policies, which are involved in business banking). Multi-generational wealth transfer planning references the full family structure. For firms serving ultra-high-net-worth families with multi-family office complexity, the household model handles the 20+ entity structure that typical CRM contact models flatten badly.
How does licensing and continuing education tracking work?
Each professional record carries current licenses with jurisdictional scope: securities registrations (Series 6, 7, 24, 26, 63, 65, 66, 79, 82, 99 plus firm-element CE requirements), insurance licenses (Life, Health, P&C, Series 2-20 depending on state, Medicare appointments by carrier, state appointments by carrier), SAFE Act MLO ID with state-specific endorsements, state investment adviser registrations, state insurance adjuster licenses, state notary commissions. Renewal dates per license surface at 90, 60, and 30 day warnings. CE hour tracking integrates with the common providers (NAIFA for insurance, FINRA for securities, state insurance CE providers, NMLS for mortgage) to pull completed courses automatically. Firm-level compliance reporting surfaces professionals approaching CE deadlines, licensing gaps that limit sales activity, and the state appointment coverage per professional for carrier representation.
What does cross-discipline opportunity surfacing look like in practice?
For multi-discipline firms, cross-discipline opportunity surfacing identifies households where opportunity exists across lines: a wealth management client with uninsured mortgage balance (life insurance gap), an insurance client with investable assets held elsewhere (wealth management opportunity), a lending client with retirement planning needs (wealth management plus insurance opportunity), a business owner client with uncoordinated personal and business financial planning. The opportunity surfacing respects suitability (not every cross-discipline referral is appropriate for the client), consent (information sharing within the firm requires appropriate authorization), and professional licensing (the referring professional cannot discuss products outside their license scope beyond general introduction to a licensed colleague). For firms running the surfacing workflow with discipline-specific internal referral acknowledgment, the measurable impact typically runs 2 to 4 times the organic cross-sell rate.
