The CRM that treats a household like a household, not three disconnected contacts.
RIA practice work is fiduciary, household centered, review driven, and audit sensitive. Strkr ships a CRM core shaped around households, custodial accounts, suitability notes, and quarterly reviews with Strkr AI drafting that sounds like a professional, not a chatbot.
A generic sales CRM assumes a linear funnel from lead to closed won. An RIA practice does not work that way. The client is a household, the deliverable is a quarterly review, the obligation is fiduciary, and the paper trail belongs to the SEC and the state. The pain points below are what Strkr onboarding hears from fee-only RIAs between $120 million and $4 billion of assets under management.
The household disconnect
Spouses and children show up as separate contacts.
Most generic CRMs model a client as a single contact with a single email. An RIA client is a household with primary, co-signer, dependents, estate contingent beneficiaries, and sometimes a trust. Strkr ships a Household object as the primary record. Members, roles, and relationships render on one card so the advisor stops stitching three records on the fly.
The quarterly review squeeze
Preparing for 180 reviews in nine weeks.
A $600 million AUM shop running 180 households on a quarterly review cadence must prep 180 agendas, 180 performance decks, and 180 followups every 90 days. Strkr pulls positions through the custodian webhook, auto-drafts the household agenda, and marks reviews that still need advisor sign-off. Prep hours per review drop from about 45 minutes to 11.
Suitability note hygiene
SEC Rule 204 does not accept a shrug.
Fiduciary standard means every allocation shift needs a suitability note that ties the recommendation to the client goals and risk capacity. Strkr adds a suitability note type with required fields (goal referenced, risk capacity delta, product disclosures) and a mandatory sign-off step before a trade intent card closes. The compliance officer stops chasing orphan rationale.
Custodial context lag
The CRM never knows what the custodian did yesterday.
An RIA custodian (Schwab, Fidelity, Pershing, Altruist) carries the live cash balance, position detail, and distribution timing. The CRM typically does not. Strkr pulls the daily position file through the standard webhook spec with HMAC signing and prints household AUM, cash balance, and distribution runway on the household card. The advisor stops opening three browser tabs for one answer.
The SEC and state audit load
ADV Part 2 and state deficiency letters.
An SEC or state audit examines the client communication record, the suitability log, and the fee calculation history. A CRM that cannot produce the full paper trail turns a two-week audit into a four-month document chase. Strkr audit log captures record read, record write, email send, document access, and AI call with 90-day default retention tunable to the five-year regulatory ceiling.
Multi-advisor book visibility
The managing principal cannot see across books.
In a 14-advisor fee-only shop, each advisor manages 40 to 180 households. The managing principal wants cross-firm visibility on review completion, outstanding suitability notes, pipeline health, and household churn signals. Strkr role-based views give the principal a cross-firm cockpit without stepping on advisor autonomy or client confidentiality.
The RIA practice schema
Objects shaped like fiduciary wealth work.
The default CRM schema does not map to fiduciary wealth work. Strkr ships a tunable schema with Household, Member, Account, Position, Review Cycle, Suitability Note, and Fee Billing Milestone as first-class objects. The compliance officer renames or extends anything. The default lands close to where most firms settle on their own after year one.
Household object
Primary, co-signer, dependents, trusts.
A household in Strkr is the top-level client record. Members carry role (primary, co-signer, dependent, successor, beneficiary), relationship, date of birth, and tax status. The schema drives the aggregated AUM view, the review cadence anchor, and the estate-planning context panel. Addresses and tax IDs live on the household.
Account object
Custodian, account type, title, registration.
Each account ties to the household with custodian, account type (taxable brokerage, individual IRA, Roth IRA, SEP IRA, 401k rollover, trust, 529, HSA, inherited IRA), registration, title style, and fee schedule. The account carries the daily position pull and the quarter-end performance stamp.
Position object
Ticker, market value, cost basis, lot history.
Positions carry ticker, market value, cost basis, lot history, and target allocation band. The position pulls nightly through the custodian webhook. The target allocation band drives the drift flag that surfaces in the household review preview automatically.
Review cycle object
Quarter, agenda status, prep status, delivery.
A review cycle ties to the household with cadence (monthly, quarterly, semi annual, annual), agenda status, prep status (draft, in review, approved), delivery date, and advisor sign-off. The review cycle drives the triage view when prep season starts.
Suitability note object
Goal referenced, risk capacity, disclosure.
A suitability note attaches to a trade intent or allocation change with required fields: goal referenced, risk capacity delta, product disclosures acknowledged, and advisor rationale. The note persists with the account history and surfaces to the compliance officer dashboard.
Fee billing milestone
Quarterly accrual, invoice, dispute.
Fee billing milestones tie to the account with quarterly accrual period, basis points schedule, invoice generation, and dispute tracking. Strkr can produce the quarterly fee invoice package or write the fee file back to the custodian through the webhook spec where the custodian supports direct debit.
Document type taxonomy
ADV, IPS, suitability, communication.
Documents carry a type (Form ADV, Investment Policy Statement, suitability note, client communication, meeting minutes, review packet). The taxonomy drives retention (ADV and IPS get the five-year retention floor), portal visibility, and audit log scoping. The compliance officer scans one view for state audit prep.
How Strkr AI drafts in an advisor voice
The AI jobs that fit an RIA practice.
An RIA practice cannot ship AI-drafted client communication that sounds like a chatbot. Strkr AI drafts in the fiduciary, measured tone an advisor would use with no vendor-brand chrome in the output. The jobs below are what shows up on every RIA deployment inside the first two weeks.
Quarterly review agenda
The 15-minute prep that used to take 45.
Strkr AI drafts the quarterly review agenda from the household position pull, the IPS target bands, the open suitability notes, and the prior-review followups. The advisor tunes two bullets on average before approving. The draft lands grounded in the actual household because the retrieval scope reads the household history and positions.
Suitability note draft
The rationale behind an allocation shift.
When the advisor flags a trade intent, Strkr AI drafts the suitability note with goal referenced, risk capacity assessment, product disclosures acknowledged, and the plain-English rationale. The compliance officer reviews a draft that already contains the required fields rather than chasing them after the fact.
Market event letter
The weekend volatility note.
After a rough market week Strkr AI drafts the household letter with context on what moved, the household position impact, and the advisor recommendation. The advisor approves and sends to the full book in one pass. The letter lands in the advisor voice because Strkr AI learns the tone from the first 20 approved sends.
Review followup
Turning the meeting into next steps.
After a quarterly review Strkr AI drafts the followup email with the discussed topics, the agreed actions, estate updates to pursue, and the next review date. The draft pulls from the meeting summary (Strkr AI generated from the recording or notes) and the household history.
Prospect intake summary
The discovery call recap.
After a prospect discovery call Strkr AI drafts the summary email with goal restatement, risk capacity reading, suggested IPS scope, fee quote range, and recommended next step. The advisor sends in under five minutes instead of rebuilding the context from meeting notes.
Annual client letter
The December state-of-the-household note.
Strkr AI drafts the annual letter with household performance context, planning milestones reached, tax events ahead, and the firm outlook. The principal approves the firm paragraph once, each advisor approves the household paragraph, and the firm sends 180 personalized letters in two work sessions.
Review season triage mode
The pipeline view that flips in prep weeks.
Strkr pipeline view ships with a review-season triage mode that flips the primary sort from new business to review readiness. During the three weeks before each quarter end, the advisor sees the full book ranked by review-prep status, drift flags, and suitability-note gaps. The cards below describe what the triage view surfaces and how the advisor acts.
Prep status sort
Households not yet started on top.
The triage view ranks every household by prep status. The top of the list is the 24 households with no agenda started 14 days before review. The advisor can filter by advisor, review cadence, or household size to focus a work session.
Allocation drift
Red, yellow, green on the household card.
Each household shows an allocation drift status against the IPS target bands. Red cards (more than five percent drift) need a trade intent and a suitability note. Yellow cards (two to five percent drift) need a note. Green cards hold at target. The advisor acts on red cards during review prep rather than finding them in the meeting.
Open suitability notes
Trades without a documented rationale.
Trades or allocation changes made since the last review that lack a complete suitability note surface in a dedicated queue. The advisor completes the notes before the review packet goes out. The compliance officer sees the queue drain across the week.
Estate planning triggers
Life events that reshape the plan.
Household events (marriage, divorce, child birth, inheritance, business sale, parent in assisted living) flagged since the last review surface in the review packet. Strkr AI drafts the agenda addendum covering the planning implications so the review conversation does not miss the human context.
Fee billing readiness
Quarters that would misbill if we ran today.
A separate triage view shows accounts where the quarterly fee basis would misbill under current settings (fee schedule out of date, household breakpoint miscounted, discount expired). The billing manager closes the gaps before the quarter-end billing run.
Post-review retrospective
What landed, what missed, what to change.
After each review wave Strkr runs a retrospective capturing on-time delivery rate, agenda completeness scores, suitability note turnaround, and client sentiment on the delivery survey. The principal uses the retrospective in the firm quarterly meeting to improve the next cycle.
Head-to-head
Strkr vs a generic CRM for an RIA practice.
Most RIAs try a general CRM once and bounce because the schema does not fit fiduciary wealth work. The comparison below is the Strkr RIA posture versus a generic sales CRM applied to the same firm.
Feature
Strkr
Generic sales CRM for an RIA
Household as first-class object
Yes with members, roles, and aggregated AUM.
Contact plus manual grouping workaround.
Custodian daily position pull
Schwab, Fidelity, Pershing, Altruist via webhooks.
Manual CSV upload.
Suitability note workflow with required fields
Built in with compliance queue.
Free-text note.
Review cadence seeded
Quarterly, semi annual, annual templates.
None.
Allocation drift flag against IPS bands
Automatic on nightly position pull.
None.
AI drafting in advisor voice
Trained on first 20 approved sends.
Generic chatbot tone.
Five-year audit retention floor
Configurable per document type.
30 to 90-day default only.
Multi-advisor cross-firm cockpit
Role-based with autonomy preserved.
Full read of every record.
Fee billing milestone tied to accounts
Yes with dispute tracking.
Manual spreadsheet.
How teams use Strkr
Five RIA practice playbooks.
The playbooks below are patterns Strkr onboarding sees across fee-only RIA deployments between $120 million and $4 billion of assets under management.
Pattern A
The $240 million solo-advisor shop.
A $240 million solo-advisor shop in Boise ran its client book in Redtail with a shared Google Sheet for the review tracker. The advisor spent about 14 hours per week on administrative prep. Strkr onboarding ran a 12-business-day migration (Redtail exported cleanly). The household object, review cadence, and AI-drafted agendas landed on day one. The advisor reclaimed roughly 10 hours per week and took on 11 new households the same year without hiring.
Pattern B
The $820 million multi-advisor firm.
An $820 million seven-advisor firm in the Mountain West ran Salesforce Financial Services Cloud with two heavy AppExchange add-ons for client portal and fee billing. Strkr onboarding ran a 24-business-day migration consolidating four surfaces into Strkr while leaving the custodian (Schwab) and the planning tool (eMoney) as is. Monthly software spend dropped by 61 percent and the review-season prep lifted by about 220 hours across the firm per quarter.
Pattern C
The $1.4 billion ensemble practice.
A $1.4 billion ensemble practice with 14 advisors and 1,850 households ran Tamarac for the CRM. The managing principal wanted a cross-firm cockpit without stepping on advisor autonomy. Strkr onboarding ran a 32-business-day migration with household-level permission scoping and advisor-owned triage queues. The managing principal cockpit landed with cross-firm visibility while the client-advisor trust posture stayed intact.
Pattern D
The $380 million planning-first practice.
A $380 million planning-first practice specialized in multi-generational wealth transfer. The firm needed deep estate-planning context panels on each household. Strkr onboarding configured custom fields for grantor trusts, GRATs, SLATs, dynasty trusts, and generation-skipping transfer tax planning. The review agenda drafts referenced the estate structure automatically. The firm closed four new households the first quarter after cutover.
Pattern E
The $2.8 billion acquisition roll-up.
A $2.8 billion private-equity-backed roll-up with 22 advisors across five tuck-in firms needed a single CRM post merger. The data model fragmentation across the five legacy CRMs was the primary pain. Strkr onboarding ran a 48-business-day migration (longer than default because of the five-source consolidation and the compliance remap). The consolidated book landed on Strkr with the household model unified, the fee schedules reconciled, and the compliance audit history preserved.
Run a fiduciary practice on a CRM shaped for wealth work.
Book a 30 minute call. We will walk through the household model, the review cadence, and the suitability note workflow with your actual advisor count and custodian setup.
Does Strkr integrate with Schwab, Fidelity, Pershing, Altruist, or Orion?
Strkr integrates with every major RIA custodian and portfolio accounting system through its standard webhook spec with HMAC signing and the published OpenAPI spec. For Schwab, Fidelity, Pershing, and Altruist the daily position pull lands in an engineering sprint of one to two weeks. For Orion and Tamarac the bi-directional sync lands in two to three weeks because of the portfolio accounting write-back patterns. The RIA keeps the custodian and the portfolio accounting system as the production source of truth.
How does Strkr handle fiduciary compliance and SEC audit prep?
Strkr audit log captures every record read, record write, email send, document access, and AI call with 90-day default retention tunable to the five-year regulatory ceiling. Suitability notes carry required fields (goal referenced, risk capacity delta, product disclosures) and route to the compliance officer queue before the related trade intent closes. The Form ADV and IPS documents live in the household record with retention locked. SOC 2 Type II is in progress with a target of 2026-Q4.
Can Strkr handle multi-advisor books without exposing one advisor book to another?
Yes. The role model gives each advisor ownership of their book with full control over household data, review cadence, and fee setup. The managing principal gets a configurable cross-firm cockpit for review completion, open suitability notes, pipeline health, and household churn signals. Advisors can share specific households (co-advised relationships) through explicit sharing. The audit log records every cross-advisor view, which keeps the trust posture clean during internal reviews.
What does Strkr cost compared to Redtail, Wealthbox, or Salesforce FSC?
Strkr runs flat per seat at $29 on Starter, $59 on Pro, and $119 on Scale per user per month, with a 14-day trial. For a seven-advisor shop on Pro the monthly spend is $413 for seats plus $49 for the AI Enhancement add-on. Redtail runs about $99 per user per month. Wealthbox runs $45 to $75. Salesforce Financial Services Cloud runs $150 to $300 per user per month with add-ons. Strkr sits in the mid range on seat price and ships deeper AI capability, broader custom-object flexibility, and the open API posture that the practice-specific CRMs typically gate to premium tiers.
How does Strkr handle household-level reporting across accounts and advisors?
The household record aggregates every account owned by every member with roll-up AUM, roll-up cash balance, roll-up fee revenue, and roll-up performance. The advisor sees one household card instead of hopping between six accounts. The managing principal sees firm-level household distribution by advisor, by AUM band, and by review cadence. The declarative report builder on top of the live schema produces custom cuts for board meetings and ADV filings without the data team involvement.
What happens to our existing client history and documents on migration?
Strkr import brings in the full household history (contact info, account history, note history, email history, document attachments) with original timestamps preserved. For documents stored in a document management system (SharePoint, Box, Dropbox, NetDocuments) Strkr attachment import brings the files in with original paths and tags. The AI retrieval index sees the full history on day one, which means the first draft Strkr AI writes is grounded in the actual household relationship instead of a stub.
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