A financial wealth CRM for UHNW practices where the household is a graph and discretion is a product feature.
UHNW and HNW practices operate at a different depth than mass-affluent advisor practices. The household is a multi-generational graph with trusts, LLCs, S-corps, foundations, and the beneficiary structure that estate attorneys design around. The service cadence runs weekly to monthly with concierge-level touch. Compliance posture includes privacy and discretion at a level the standard advisor CRM does not model. Strkr lands the UHNW motion with the full household graph, the trust and estate complexity, and the discretion controls on one surface.
A UHNW practice operates on a different data model than a mass-affluent practice. The household includes the primary wealth holder plus the spouse, the children (adult and minor), the grandchildren where relevant, the parents where financially entangled, and the full set of entities: revocable trusts, irrevocable trusts (ILIT, GRAT, CRT, dynasty trusts, grantor trusts), LLCs, S-corps, family limited partnerships, private foundations, donor-advised funds. The service cadence runs weekly to monthly with concierge-level responsiveness. The compliance posture includes privacy controls at a level the standard advisor CRM does not model. Six specific gaps show up at the UHNW practice, each one driving the search for a wealth-management CRM that fits the depth.
The multi-generational graph
Household is a graph, not a record.
A UHNW household includes the primary wealth holder, the spouse, the adult children with their own account structures, the minor grandchildren with UTMA accounts, and the parent generation where entanglement exists. Each generation ties to the household through the beneficiary structure and the ownership structure. Advisor CRMs model household as a flat record with household members. Strkr models the household as a graph with the full relationship structure visible.
Trust and entity complexity
ILIT, GRAT, CRT, FLP, FLLC, DAF, PF.
UHNW practices manage trusts (revocable, irrevocable life insurance, grantor retained annuity, charitable remainder, dynasty, grantor), LLCs for real estate holdings and operating businesses, family limited partnerships, S-corps, private foundations, donor-advised funds. Each entity carries its own tax ID, governance structure, trustee or manager, and investment policy. Advisor CRMs do not model entity complexity at this depth. Strkr models each entity as a first-class record with the appropriate attributes.
Beneficiary structure
The estate map is a feature.
The beneficiary structure for a UHNW household includes beneficiaries on IRAs and 401(k)s, trust beneficiaries at primary and remainder tiers, insurance beneficiaries, and the inheritance flow upon death of each household member. The estate map is a feature that the practice reviews annually with the client (and jointly with the estate attorney). Advisor CRMs do not model this; Strkr runs the estate-map feature with the beneficiary graph visualized.
Concierge service cadence
Weekly touch, monthly review, quarterly deep.
UHNW practices operate on a concierge-level cadence: weekly check-ins on market moves and family events, monthly reviews on cash flow and project progress, quarterly comprehensive deep dives, annual full plan refresh. The service touch per household per year runs 25 to 50 scheduled interactions plus unscheduled. Standard advisor CRMs run quarterly cadence by default. Strkr runs the configurable concierge cadence with the touch inventory per household.
Privacy and discretion controls
Not every team member sees every household.
UHNW households expect discretion. The practice typically restricts access to the full household picture to the lead advisor, the backup advisor, and specific operations staff. Junior planners, interns, and partner-office staff do not see the household unless specifically authorized. Advisor CRMs run role-based access at the firm level; Strkr runs household-level access with discretion controls that match the UHNW norm.
Custodian aggregation across multiple custodians
The household is at 4 to 8 custodians.
A UHNW household typically spreads assets across 4 to 8 custodians (Schwab Advisor Services, Fidelity, Pershing, BNY Mellon, J.P. Morgan Private Bank, Northern Trust, Bessemer, specialty custodians for alternatives). Aggregation across the custodian set is a daily workflow requirement. Strkr runs native aggregation across the common UHNW custodian set with daily refresh and holdings-level detail.
A UHNW or HNW practice evaluates CRM on six capabilities: multi-generational household graph modeling, trust and entity complexity, beneficiary and estate-map visualization, concierge service cadence configurability, privacy and discretion controls, and multi-custodian aggregation. The cards below are the capabilities Strkr ships on every FinServ-tier paid plan.
Multi-generational household graph
The full relationship structure.
The household record carries the full multi-generational graph: primary wealth holder, spouse, adult children with their own account structures and spouses, minor grandchildren with UTMA accounts, parent generation where entangled. Each person on the graph carries their own identity record with age, education, profession, and the financial posture. The graph visualizes with the relationship edges and the beneficiary flows. The lead advisor sees the full picture in a view that estate attorneys recognize.
Trust and entity records
ILIT, GRAT, CRT, FLP, FLLC, DAF, PF modeled.
Each trust, LLC, FLP, S-corp, foundation, and DAF models as a first-class record with the entity type, tax ID, formation date, governance structure (trustee, manager, officers), investment policy, custodian, current balance, income distribution rules, and the beneficiary or ownership structure. The entity ties back to the household graph through ownership and beneficiary edges. The annual entity-review workflow runs with the required tax and legal checkpoints visible.
Estate map
The inheritance flow visualized.
The estate map visualizes the beneficiary structure: for each account, trust, insurance policy, and entity, the current beneficiary designation at primary and remainder tiers, the inheritance flow upon death, and the stale-designation flags. The map updates when a life event triggers (marriage, divorce, birth, death) with the recommended review surfaced. The annual estate-review conversation with the client and the estate attorney uses the map as the shared surface.
Concierge service cadence
Weekly, monthly, quarterly, annual configurable.
Service cadence configures per household: weekly check-in cadence (market moves, family events, project updates), monthly review (cash flow, project progress, upcoming events), quarterly deep dive (portfolio, planning, tax, estate), annual plan refresh. The touch inventory per household per year surfaces for the practice to confirm the cadence commitment is being met. Missed cadence flags for the lead advisor.
Privacy and discretion controls
Household-level access, not just role-level.
Privacy controls run at the household level: the lead advisor, the backup advisor, and the specifically authorized operations staff see the household. Junior planners, interns, and partner-office staff do not see the household unless explicitly authorized. The authorization audit tracks every access with the user, the timestamp, and the records viewed. The compliance workflow surfaces unauthorized access attempts for review.
Native custodian aggregation across the UHNW custodian set with daily refresh and holdings-level detail. Account balances, holdings, transactions, performance, and income aggregate to the household level and roll up by entity type. For custodians outside the native set, Strkr integrates with Addepar aggregation for broader coverage. The lead advisor sees the household total AUM and the entity-level composition in one view.
Family meeting and governance
Family council, next-gen development.
For families running family-council governance structures, Strkr models the family council as a governance entity with meetings, resolutions, and the attendance tracking. Next-generation development programs (financial education for adult children, trustee preparation for next-gen remainder beneficiaries, philanthropic cultivation) track as structured workflows with the development arc visible to the lead advisor.
Alternative investments tracking
Private equity, direct deals, hedge funds.
UHNW practices manage alternative investments: private equity fund commitments, direct deal participations, hedge fund positions, real estate holdings in LLCs, art collections, operating business interests. Each alternative models with the commitment, called capital, distributions, mark-to-market value, and the liquidity profile. The alternative allocation measures against the policy target by illiquidity tier.
Flat per-seat pricing
Wealth features on every tier.
Strkr pricing is per seat with the full product on every paid tier including the household graph, the entity modeling, the estate map, the concierge cadence, the discretion controls, the multi-custodian aggregation, and the alternatives tracking. No wealth-tier upcharge, no module gate at renewal. A 10-advisor UHNW practice pays a predictable per-seat line that fits the UHNW revenue shape.
The wealth advisor workflow in detail
What a UHNW practice actually does.
UHNW practice workflow varies by motion. A solo UHNW advisor serving 25 to 50 households personally runs a dense weekly cadence. A multi-advisor practice serving 150 to 400 households runs the shared-coverage model with a lead and a backup per household. The cards below walk through specific workflows.
The weekly check-in
15-minute client touch, context-loaded.
The weekly check-in runs 15 minutes with the household: market moves commentary (tailored to the household's exposure), family event follow-up (the daughter's wedding, the son's business sale, the grandchild's college search), project progress (the planned real estate transaction, the trust funding, the foundation grant cycle). The advisor opens Strkr before the call and sees the full context assembled. The call runs with substance instead of pleasantries.
The quarterly deep dive
90-minute working session.
The quarterly deep dive runs 90 minutes with the client: portfolio review across entities, planning updates (tax projection vs actual, estate plan status, insurance review), project pipeline (deals in process, upcoming funding events, upcoming transitions). The prep packet generates 7 days before with the full picture assembled. The advisor spends 20 minutes on prep review instead of 3 hours assembling the packet from 6 systems.
The annual estate review
The estate map, the attorney, the family.
The annual estate review runs with the client, the estate attorney, and sometimes the adult children (depending on the family's next-gen involvement). The estate map is the shared surface: current beneficiary structure, inheritance flow visualized, life-event triggers reviewed, document currency verified, trustee succession confirmed. Changes flow to the attorney for the formal document updates. The review takes 2 hours instead of the half-day the spreadsheet-and-pdf approach consumed.
The family council meeting
For families running governance.
For families running a family council (annual or semi-annual governance meeting with the adult generation), the practice supports the agenda, the preparation, and the record. Strkr runs the council as a governance entity with meetings, resolutions, and attendance. The council minutes retain for the historical record. Next-gen development programs (education sessions, trustee preparation) run as structured tracks for each next-gen member.
The project pipeline
Deals, trust fundings, charitable gifts.
UHNW households often have active project pipelines: a real estate transaction in diligence, a trust funding scheduled, a charitable gift cycle running, a business sale negotiation. Projects track as structured workflows with the stakeholders (advisor, attorney, CPA, counterparty), the milestones, and the target close dates. The lead advisor sees the project pipeline across all households at a glance.
The next-gen development
Adult children, trustee preparation.
Next-generation development programs track for each next-gen member: financial literacy sessions, portfolio exposure, trustee preparation (for remainder beneficiaries of family trusts), philanthropic cultivation (for family foundation involvement). The arc runs from early adulthood through the generational transition. The lead advisor sees each next-gen member's development state and the next scheduled touch.
What wealth practices compare on
The honest UHNW evaluation.
A UHNW practice evaluating CRM options compares on criteria the mass-affluent advisor CRM comparison does not include. The honest evaluation: household graph depth, trust and entity modeling, estate map, concierge cadence, privacy controls, multi-custodian aggregation, and three-year TCO at UHNW scale. The six criteria below show up on every UHNW evaluation call.
Household graph depth
Multi-generational structure.
Strkr: multi-generational graph with full relationship edges. Advisor CRMs (Redtail, Wealthbox): household with members, flat shape. Advyzon: bundled household with portfolio integration. For UHNW practices, graph depth is the first criterion because the mass-affluent CRM shape does not fit.
Trust and entity modeling
ILIT, GRAT, CRT, FLP, FLLC, DAF, PF.
Strkr: first-class entity records with full attributes per entity type. Mass-affluent CRMs: via custom objects or custom fields. For UHNW practices with 8 to 25 entities per household, native modeling is a meaningful efficiency lever.
Estate map
Inheritance flow visualized.
Strkr: estate map as a visualized surface for annual review. Most CRMs: beneficiary tracking as fields on accounts. For UHNW practices where the annual estate review is a required touchpoint, the map visualization is a direct workflow lever.
Concierge cadence
Weekly through annual configurability.
Strkr: configurable per-household cadence with touch inventory tracking. Mass-affluent CRMs: quarterly cadence by default with workflow extensions. For UHNW practices operating on weekly-monthly cadence, native support is a workflow fit.
Privacy and discretion
Household-level access.
Strkr: household-level access with explicit authorization and audit logging. Mass-affluent CRMs: firm-level role-based access. For UHNW practices where discretion is a product feature, household-level controls match the operational norm.
Three-year UHNW TCO
Per-seat vs enterprise-platform.
Strkr: flat per seat with wealth features included. Enterprise platforms (Addepar, Bessemer-style custom builds): meaningfully higher TCO with the enterprise depth. For a 10-advisor UHNW practice, Strkr lands at a fraction of the enterprise-platform cost while covering the common UHNW motion.
Head-to-head
Strkr vs Addepar CRM for a UHNW practice.
Addepar is a common evaluation at the UHNW practice end for the aggregation and reporting depth. The head-to-head for a 10-advisor UHNW practice covering 180 households:
Feature
Strkr
Addepar
Multi-generational household graph
Full graph with relationship edges
Household structure with members
Trust and entity modeling
First-class records per entity type
Entity support via portfolio structure
Estate map
Visualized inheritance flow
Via reporting
Concierge service cadence
Configurable per-household
Via workflow
Privacy and discretion controls
Household-level access with audit
Firm-level role-based
Multi-custodian aggregation
Native plus Addepar integration
Industry-leading aggregation
Portfolio reporting depth
Standard reporting plus Addepar integration
Industry-leading portfolio reporting
Alternative investments
Native tracking with commitment, called capital, distributions
Deep alternatives support
Pricing shape
Flat per seat
Enterprise contract
Three-year TCO
Predictable per-seat line
Meaningfully higher at UHNW scale
How teams use Strkr
How wealth practices run Strkr today.
The common thread across wealth management customers: get the household graph, the entity modeling, the estate map, the concierge cadence, and the discretion controls on one tool while retaining the Addepar or similar portfolio-aggregation partner for the investment reporting depth. The playbooks below describe the UHNW motion at common scales.
An 8-advisor UHNW practice moved from a custom-built Salesforce configuration to Strkr over 12 weeks. The household graph migrated with the multi-generational relationships preserved including trust ownership edges, LLC member relationships, and the beneficiary structure. The estate map rebuilt from the migrated data in week 6. Addepar integration came up in week 4 preserving the portfolio aggregation partnership. Three-year TCO projection dropped 48 percent and the practice admin workload scaled sub-linearly.
5-advisor family office light
Weekly cadence on 32 households.
A 5-advisor family office light practice serving 32 UHNW households ran the configurable concierge cadence (weekly touch on top-10 households, monthly on next-15, quarterly on remaining) with the touch inventory tracking. The practice met the cadence commitment at 94 percent across the year, up from 68 percent on the prior spreadsheet-based approach. Client NPS on the service experience improved meaningfully.
Multi-generational family
Family council governance structure.
A single UHNW family with 4 generations of involvement (patriarch, matriarch, 3 adult children with spouses, 7 grandchildren mostly adult) ran the family council governance structure in Strkr. The annual council meeting ran with the agenda, the resolutions, and the attendance tracked. Next-gen development programs ran for each of the 7 adult grandchildren with the trustee-preparation track active for 2 remainder beneficiaries of the dynasty trust.
Trust and estate review cadence
14 trusts across 1 household.
A UHNW household with 14 trusts (revocable, ILIT, GRAT, CRT, 2 dynasty trusts, 4 generation-skipping trusts, 2 charitable lead trusts, grantor retained annuity trust, defective grantor trust) ran the annual trust review with the entity-review workflow. Each trust surfaced the required checkpoints (tax filing, trustee verification, investment policy review, beneficiary status). The lead advisor completed the annual trust review across all 14 in a structured 3-hour working session instead of a week of ad-hoc review.
Alternative-heavy UHNW practice
PE commitments and direct deals tracked.
A UHNW practice with meaningful alternative-investment exposure ran the alternatives tracking on Strkr: 42 private equity fund commitments across households with called capital and distribution tracking, 18 direct deal participations with mark-to-market and liquidity profile, 11 real estate LLC positions. The alternatives allocation measured against the policy target by illiquidity tier. The capital-call and distribution calendar surfaced across households for the ops team to anticipate the liquidity events.
A financial wealth CRM for UHNW practices where the household is a graph and discretion is a product feature.
Start a 14-day trial with the FinServ-wealth configuration enabled: multi-generational household graph with full relationship edges, trust and entity modeling (ILIT, GRAT, CRT, FLP, FLLC, DAF, PF), estate map with inheritance flow visualization, concierge service cadence configurable per household, privacy and discretion controls at the household level with audit logging, multi-custodian aggregation with Addepar integration, alternatives tracking with commitment and distribution flow, and the full FinServ feature set at flat per-seat pricing. Migrate from Addepar CRM, Salesforce builds, or custom UHNW CRM configurations.
How does Strkr model the multi-generational UHNW household?
The household record carries the full multi-generational graph as first-class relationship edges. The primary wealth holder, the spouse, the adult children (with their own account structures and spouses), the minor grandchildren (with UTMA accounts or 529 plans), and the parent generation where financially entangled all model as individuals with their own identity records. Each person carries age, education, profession, and the financial posture (own household vs living in parents' household vs trust beneficiary only). The graph visualizes with relationship edges (spouse, parent-child, step-relationships) and inheritance edges (trust beneficiary, remainder beneficiary, insurance beneficiary). Estate attorneys recognize the visualization because it matches the standard estate-planning diagramming.
How does Strkr handle the trust and entity complexity for UHNW practices?
Each trust, LLC, FLP, S-corp, foundation, and DAF models as a first-class record. Trust records carry the type (revocable, ILIT, GRAT, CRT, dynasty, grantor retained annuity, charitable lead annuity, intentionally defective grantor trust), the formation date, the tax ID, the trustee or co-trustees, the investment policy, the distribution rules, the beneficiaries at primary and remainder tiers, the custodian, and the current balance. LLC and FLP records carry the manager, the members, the ownership percentages, the operating agreement reference, and the tax election. Foundation records carry the trustees, the mission, the annual distribution requirement, and the grant cycle. Each entity ties back to the household graph through ownership and beneficiary edges so the full picture visualizes.
What is the estate map and how is it used?
The estate map visualizes the inheritance structure for a household. For each account, trust, insurance policy, and entity, the map shows the current beneficiary designation at primary and remainder tiers, the inheritance flow upon death of each household member, and the stale-designation flags. The map updates when a life event triggers (marriage, divorce, birth, death, business sale) with the recommended review surfaced. The annual estate-review conversation with the client and the estate attorney uses the map as the shared surface: the family sees the inheritance flow, the attorney confirms the document currency, the advisor flags the gaps for the attorney to address. The map prevents the two most common post-death discoveries (stale beneficiary designations and missing beneficiary coverage) that cause intestate probate complications.
How does the privacy and discretion control work at the household level?
UHNW households expect discretion. Strkr runs household-level access controls on top of the firm-level role-based access. The lead advisor on a household, the backup advisor, and the specifically authorized operations staff see the household. Junior planners, interns, and partner-office staff do not see the household unless explicitly authorized by the lead advisor or managing partner. Authorization logs with the user, the date, and the business reason. Every access to a restricted household record logs with the user and the timestamp. The compliance workflow surfaces unauthorized access attempts for review. For practices with specific confidentiality agreements with high-profile clients, the controls meet or exceed the typical UHNW practice norm.
How does Strkr integrate with Addepar, BNY Mellon, Northern Trust, and the common UHNW custodians?
Native custodian aggregation covers Schwab Advisor Services, Fidelity Investments WealthScape, Pershing NetX360, BNY Mellon, J.P. Morgan Private Bank, Northern Trust, Bessemer Trust, and the common UHNW custodians. For custodians outside the native set and for the deeper portfolio-reporting depth, Strkr integrates with Addepar as the portfolio aggregation and reporting partner. The Addepar integration preserves the Addepar portfolio data layer (with the industry-leading aggregation and reporting depth) while adding the Strkr CRM layer (household graph, entities, estate map, concierge cadence, discretion controls). The pattern most UHNW practices run (Addepar for the portfolio side, Strkr for the client relationship and workflow side) sits comfortably on the integrated surface.
What is the migration path for a UHNW practice from Addepar CRM or a Salesforce build?
Strkr runs a wealth-CRM migration tool that pulls the household structures, individual records, entity records, custodial account mapping, beneficiary structures, meeting history, and workflow logic from Addepar CRM (via API), Salesforce (via Data Loader or API), and the common UHNW CRM configurations. The multi-generational graph reconstructs from the migrated relationship data with manual review by the lead advisor to confirm the graph integrity. The entity records migrate with the full attribute set. The estate map rebuilds from the migrated beneficiary data. Most UHNW migrations complete in 10 to 16 weeks for practices up to 15 advisors with a 3-week parallel-running period. The deeper work is usually the household-graph review and the entity-record attribute completion.
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