The CRM that handles the robo-tier and the complex-household tier in one book.
Hybrid wealth advisory firms blend digital portfolio management with human advice across client complexity tiers. Strkr ships a CRM shaped around client complexity, suitability tracking, SEC audit trail, and AI drafting that respects regulatory boundaries.
Hybrid advisory firms (digital-plus-human models like Betterment Premium, Vanguard Personal Advisor, SigFig, and the growing independent RIA hybrid segment) run a motion: tier clients by complexity, deliver digital service at scale, deliver human advice at the complex tier, and keep the regulatory audit trail clean. The pain points below are what Strkr onboarding hears from hybrid advisory firms.
The complexity tier assignment
When does a client leave the robo-tier.
Hybrid firms tier clients by complexity (household net worth, number of accounts, tax situation, retirement planning need, estate planning need). The CRM that cannot score complexity and route the client to the right service tier creates service mismatch. Strkr's client complexity score runs as a configurable formula with the admin tuning the thresholds, and the service tier assignment drives the service delivery workflow.
Suitability tracking
The 240-field KYC questionnaire.
SEC suitability rules require a documented understanding of the client's financial situation, investment objectives, and risk tolerance. The CRM that cannot track the suitability record (initial KYC, annual update, event-driven update) with versioning creates regulatory exposure. Strkr's suitability object carries initial record, update history, and event-triggered refresh with timestamp and advisor attestation.
SEC audit trail
What the exam team looks for.
An SEC exam looks for the client communication record, the advice given, the trade recommended, the client approval, and the follow-up. A CRM that cannot produce the full record fails the exam. Strkr's audit log captures every record read, write, email send, AI call, and advice recommendation with 90-day default retention tunable to the SEC five-year minimum.
Digital service scale
2,400 robo-tier clients and 11 advisors.
A typical hybrid firm serves 1,500 to 4,000 robo-tier clients with 8 to 15 advisors. The CRM that cannot automate the digital-tier touchpoints (quarterly rebalance notification, tax harvest alert, performance report email) at scale creates manual-work drag. Strkr automates the digital-tier cadence with AI-drafted communication that respects suitability and remains advisor-approved.
Complex household handling
A $4 million household is not a dashboard click.
For the complex-household tier (typically $2M-plus investable assets) the service model shifts from digital-first to human-first. Multi-generational households, business ownership, estate planning, and tax strategy need advisor attention. The CRM that treats the complex household the same as the robo-tier underserves the segment. Strkr's complex household view surfaces the full household structure with advisor-prioritized tasks.
Form ADV disclosure
The regulatory document that drives client communication.
Form ADV disclosures (initial, annual update, material-change update) drive specific client communication requirements. The CRM that cannot track ADV distribution and client acknowledgment creates regulatory exposure. Strkr's ADV workflow tracks distribution date, client acknowledgment, and version history with audit log entry per client per ADV event.
The hybrid advisor schema
Objects shaped like wealth advisory work.
Strkr ships a tunable wealth advisory schema with Client, Household, Account, Suitability Record, Advice Recommendation, and Advisor Assignment as first-class objects. The compliance officer and the chief investment officer can tune anything.
Client object
Identity, suitability, complexity tier.
A client in Strkr carries demographic identity, suitability record, complexity tier (digital, hybrid-light, hybrid-heavy, complex household), advisor assignment, and lifetime relationship history. The schema drives service tier routing and AI retrieval scope.
Household object
Members, aggregate assets, planning priorities.
A household groups related clients (spouses, dependents, trust beneficiaries, business partnerships) with aggregate assets and shared planning priorities. The household object drives multi-generational planning and the complex-household view.
Account object
Type, custodian, balance, trade authority.
An account captures type (brokerage, IRA, Roth, 401k rollover, trust, 529, HSA), custodian (Schwab, Fidelity, Pershing, LPL), balance, trade authority (discretionary, non-discretionary), and account-level restrictions.
Suitability record object
KYC history with versioning.
The suitability record captures initial KYC (financial situation, investment objectives, risk tolerance, time horizon, liquidity need), annual update, and event-triggered update with timestamp and advisor attestation. The versioning preserves the historical record for SEC exam purposes.
Advice recommendation object
What the advisor recommended and when.
An advice recommendation captures the recommendation (asset allocation shift, specific security buy or sell, Roth conversion, planning strategy), the client suitability basis, the client approval, and the execution timestamp. The record ties to the advisor and the suitability record for audit trail.
Advisor assignment object
Primary, backup, team.
Each client has a primary advisor and may have a backup advisor and a service team (financial planner, investment specialist, tax specialist, estate planner). The assignment drives the task routing and the client-facing communication.
ADV distribution object
Version, date, acknowledgment.
The ADV distribution object captures the ADV version distributed, the distribution date, the client acknowledgment status, and the acknowledgment date. The compliance officer sees the distribution status per client per ADV event.
How the digital and human service tiers run in parallel
Two workflows, one CRM.
The hybrid model requires two parallel service workflows: digital automation at the robo-tier and human-led advisory at the complex tier. Strkr runs both without context switching.
Digital-tier quarterly cadence
The automated performance update.
For the digital tier Strkr AI drafts the quarterly performance update email with portfolio performance, benchmark comparison, and any rebalance activity. The advisor approves a batch of 420 emails in 20 minutes. The suitability check runs automatically against each client's current suitability record.
Digital-tier rebalance alert
The drift-triggered notification.
When a client portfolio drifts past the configured threshold (typically 5 percent off target allocation) Strkr fires a rebalance alert for the advisor. The advisor approves the rebalance (or runs it in the trading system) and Strkr AI drafts the notification email to the client with the rebalance detail.
Complex household review
The semi-annual deep review.
For the complex-household tier the service model runs semi-annual deep reviews with the advisor. Strkr's pre-review preparation surfaces the household structure, planning priorities, portfolio status, and recent life events. The advisor runs the review from the Strkr record with a shared screen in the client meeting.
Life event trigger
The job change, the inheritance, the birth of a grandchild.
When a client life event triggers (job change, inheritance received, child born, home purchase) the suitability refresh and the planning conversation schedule. Strkr AI drafts the outreach with life-event context and recommended planning conversation. The advisor approves and sends.
Tax strategy coordination
The year-end tax planning cycle.
For the complex-household tier the year-end tax planning cycle involves tax loss harvesting, Roth conversion analysis, charitable giving optimization, and estimated tax payment coordination. Strkr's tax strategy workflow surfaces the opportunities per client with the advisor approval gate.
Advisor transition and continuity
The advisor retirement handoff.
When an advisor retires or transitions out the client book needs careful handoff. Strkr's advisor transition workflow captures the full client context (relationship history, planning priorities, communication preferences, next scheduled touchpoints) for the new advisor. The transition preserves continuity for the client.
Compliance review cadence
The quarterly audit log scan.
The compliance officer runs a quarterly audit log scan filtered by advisor, record type, and action. The scan surfaces unusual access patterns, recommendation records needing documentation review, and ADV distribution gaps. The posture catches most compliance issues before they become exam findings.
How Strkr AI drafts in an advisor voice
The AI jobs that fit wealth advisory.
Wealth advisory AI cannot sound like a chatbot and cannot generate recommendations outside the suitability framework. Strkr AI drafts in a professional advisor voice with retrieval scope strictly scoped to the client and the suitability record.
Quarterly performance email
The digital-tier regular touch.
Strkr AI drafts the quarterly performance email with portfolio performance, benchmark comparison, and rebalance activity. The draft respects the suitability record and does not reference recommendations outside the stated scope. The advisor approves and sends in batches.
Life event outreach
The congratulations and the planning offer.
For client life events (new baby, home purchase, job change, inheritance) Strkr AI drafts a personal outreach email with event acknowledgment and a planning conversation offer. The advisor approves and sends.
Rebalance notification
The drift-triggered client update.
After a rebalance Strkr AI drafts the client notification email with the rebalance detail, the reason for the shift, and the resulting portfolio allocation. The notification respects the suitability record and uses language that matches the client's financial literacy level.
Tax strategy summary
The year-end planning conversation prep.
Before the year-end tax planning conversation Strkr AI drafts a one-page summary for the advisor with tax loss harvest opportunities, Roth conversion analysis, charitable giving optimization, and estimated tax payment review. The advisor runs the client conversation from the summary.
ADV distribution communication
The annual update note.
For ADV annual update distribution Strkr AI drafts the client communication with the ADV change summary and the acknowledgment link. The compliance officer approves the template and the batch sends to the client book with per-client acknowledgment tracking.
Complex household meeting prep
The pre-meeting brief for the advisor.
Before a complex household review Strkr AI drafts a pre-meeting brief with household structure, planning priorities, portfolio status, recent life events, and recommended conversation topics. The advisor reviews in 10 minutes before the meeting.
Internal advisor note
The team handoff from financial planner to investment specialist.
For teams running a service model with multiple specialists (financial planner, investment specialist, tax specialist, estate planner) Strkr AI drafts internal handoff notes capturing the client context and the next action. The specialist picks up the context without a Slack message.
Head-to-head
Strkr vs a wealth-advisory-specific CRM.
Most hybrid advisors evaluate Redtail, Wealthbox, Salesforce Financial Services Cloud, or AdvisorEngine. The comparison below is the Strkr posture versus the wealth-advisory-specific tool category.
Feature
Strkr
Typical wealth advisory CRM
Per-seat pricing
$29 to $119 per seat flat.
$79 to $300 per seat typical.
Household aggregation
First-class object.
First-class typical.
Custodian integration
Standard webhook spec.
Native with specific custodian typical.
Suitability record versioning
Built in with event triggers.
Manual process typical.
AI drafting bundled
Yes, with $49 enhancement add-on.
Add-on or not available.
ADV distribution tracking
First-class workflow.
Manual or add-on.
Audit log retention
90 days default, tunable to five years.
Varies by vendor.
Complex household workflow
Multi-generational structure.
Single-client focus typical.
Digital-tier automation
Scale cadence with suitability check.
Partial automation typical.
How teams use Strkr
Five hybrid advisor playbooks.
The playbooks below are patterns Strkr onboarding sees across hybrid advisor deployments.
Pattern A
The 11-advisor hybrid RIA with 2,400 clients.
An 11-advisor hybrid RIA served 2,400 clients across digital, hybrid-light, hybrid-heavy, and complex household tiers. The firm ran Redtail CRM and a custom in-house portfolio dashboard. Strkr onboarding ran a 32-business-day migration consolidating the client record and the service tier assignment. The quarterly performance email cadence (previously manual) ran on the digital tier with advisor batch approval. Advisor capacity lifted 22 percent in the first full year.
Pattern B
The 25-advisor broker-dealer hybrid.
A 25-advisor broker-dealer offering a hybrid service model ran Salesforce Financial Services Cloud at $300 per user per month. The compliance surveillance and the ADV distribution tracking lived in separate tools. Strkr onboarding ran a 42-business-day migration consolidating onto Strkr Scale at $2,975 per month with the compliance workflow integrated. Annual savings landed near $85,000.
Pattern C
The 18-advisor estate planning specialist.
An 18-advisor estate planning specialist served ultra-high-net-worth households ($10M-plus) with multi-generational planning. The firm needed a CRM that handled complex household structure (trusts, LLCs, foundations, next-gen beneficiaries). Strkr onboarding ran a 24-business-day migration with the household object configured for multi-generational structure. The firm added seven new ultra-high-net-worth households in the first year because the pre-meeting brief workflow lifted advisor preparation quality.
Pattern D
The 42-advisor retirement-focused firm.
A 42-advisor retirement-focused firm served 11,500 clients across accumulation, pre-retirement, and distribution phases. The CRM needed phase-aware service cadence and withdrawal strategy tracking. Strkr onboarding ran a 48-business-day migration with phase-specific service workflows. Withdrawal strategy conversations (previously quarterly and inconsistent) ran on a documented cadence with suitability refresh triggered on each phase transition.
Pattern E
The 32-advisor fiduciary RIA growing by acquisition.
A 32-advisor fiduciary RIA growing by acquisition needed a CRM that consolidated the client books of each acquired practice. The schema needed to accommodate different legacy data models (Wealthbox, Redtail, Salesforce). Strkr onboarding ran a 32-business-day migration with per-acquisition data normalization. The firm absorbed two additional practice acquisitions in year one on the Strkr platform without a scramble.
Run a hybrid advisory practice on a CRM shaped for the model.
Book a 30 minute call. We will walk through the hybrid advisor schema, the digital-plus-human workflow, the suitability tracking, and the ADV distribution with your actual firm structure.
Does Strkr integrate with Schwab, Fidelity, Pershing, or LPL custodians?
Strkr integrates with every major custodian through the standard webhook spec with HMAC signing and the published OpenAPI spec. The typical setup pulls account balance, holding detail, and transaction history into Strkr with the custodian as the source of truth for financials and Strkr as the source of truth for the relationship and the service workflow. For Schwab, Fidelity, Pershing, and LPL the integration lands in an engineering sprint of 2 to 4 weeks depending on the custodian API.
How does Strkr handle SEC suitability and the fiduciary standard?
The suitability record object captures initial KYC (financial situation, investment objectives, risk tolerance, time horizon, liquidity need), annual update, and event-triggered update with versioning. Each advice recommendation ties to the current suitability record for audit trail. The system blocks AI-drafted recommendations outside the current suitability scope and requires explicit advisor override with documented reason. For fiduciary firms the posture matches the Regulation Best Interest documentation requirement.
Can Strkr handle multi-generational households and complex trust structures?
Yes. The household object groups related clients (spouses, dependents, trust beneficiaries, business partnerships) with aggregate assets and shared planning priorities. For complex trust structures the schema supports trust-specific sub-objects (grantor, trustee, beneficiary) with role-specific communication cadence. For next-generation planning the household structure accommodates adult children and grandchildren as future beneficiaries with their own suitability records.
What does Strkr cost compared to Redtail, Wealthbox, or Salesforce Financial Services Cloud?
Strkr runs flat per seat at $29 on Starter, $59 on Pro, and $119 on Scale per user per month. Redtail runs around $99 per user per month. Wealthbox runs $69 to $109 per user per month. Salesforce Financial Services Cloud runs $300 per user per month on an annual commit. For a 15-advisor hybrid firm on Pro the monthly spend lands at $885, which is typically 50 to 80 percent lower than Salesforce FSC and comparable to Redtail or Wealthbox with the AI drafting capability bundled.
How does Strkr handle Form ADV distribution tracking?
The ADV distribution workflow tracks ADV version distributed, distribution date, client acknowledgment status, and acknowledgment date per client per ADV event. The compliance officer sees the distribution status with the gap list (clients who have not acknowledged). The AI-drafted communication template respects compliance review and the batch send runs through the standard email delivery with acknowledgment link tracking. The audit log captures each distribution event.
What is the compliance posture for a wealth advisory deployment?
Strkr is GDPR and CCPA compliant today. SOC 2 Type I report is available on request, Type II is in progress with a 2026-Q4 target. For firms needing specific wealth advisory compliance posture (SEC exam-ready audit log, FINRA books and records retention, state-level fiduciary rules) the Strkr audit log retention tunes to the five-year SEC minimum, and the role-based access documents the control attestation. SSO (SAML and OIDC) is live on Scale through Clerk, MFA (TOTP and text-based) is live.
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