Qorvayth AI: From source financial documents to advisor-approved plans, on one AI platform.
Qorvayth AI is the connected operating layer for independent financial advisors, RIAs, and wealth management practices. Statements, tax returns, balance sheets, planning scenarios, recommendation memos and supervisory evidence live on one verified household record — so advisors stop transcribing PDFs and start guiding client outcomes.
Statements, tax returns, W-2s, insurance policies, and custodial feeds arrive in a dozen disparate formats. Qorvayth AI reconciles them into one living household record — source-verified, mathematically tested, and monitored for planning drift.
app.qorvayth.ai/dashboardLIVE · HOUSEHOLD COMMAND CENTER
Qorvayth AI — financial advisory command center
One household, on one record
Source-linked
Financial Factfinding
Review extracted financial values alongside statement references and verification evidence.
Connected
Planning Records
Carry verified facts and household goals into scenarios and advisor recommendations.
Advisor review
Advice Approval
Keep source evidence, fee disclosures, and human approval attached to recommendations.
Traceable
Compliance Evidence
Connect disclosures, supervisory exceptions, and supporting records for compliance review.
Illustrative workflow capabilities; dashboard figures are sample data for the product walkthrough.
The Nestack financial services suite
Built for every corner of financial services.
Financial services move differently in every field, with unique teams, workflows, documents, and decisions. Your tools should be built to work the way your industry does.
The connected modules your advisory practice needs.
Intake, factfinding, goals, analysis, scenario planning, advice approval, execution tracking, monitoring, and compliance are not siloed tools stitched together — they form one continuous fiduciary record from initial statement upload to ongoing client review.
Inquiries qualified and Form CRS disclosures tracked to verified engagement
Client inquiries, referral records, and discovery questionnaires flow into four operational lanes: Inquiry, Qualified, Disclosure, and Engaged. Fee schedules, Form ADV brochures, and Form CRS acknowledgments are tracked automatically before factfinding begins.
Inquiry Status
Engagement Scope
Form CRS Delivery
Fee Schedule
Advisor Route
app.qorvayth.ai/factfindingLIVE · FACTFINDING
Factfinding — Qorvayth AI
— 02 — FACTFINDING
Split-screen PDF inspector converting client statements into verified facts
Bank statements, brokerage holdings, 401(k) filings, Form 1040s, and mortgage schedules processed via layout-aware OCR. Every extracted ending balance and date retains exact page coordinate proof, reconciling totals against custodian feeds before planning.
Doc Classification
Coordinate OCR
Reconciled Balance
Valuation Date
Verification Proof
app.qorvayth.ai/goalsLIVE · GOALS
Goals — Qorvayth AI
— 03 — GOALS
Interactive financial milestone timeline prioritizing client life objectives
Retirement horizons, education funding targets, debt eliminations, and estate legacy goals mapped across an interactive timeline. Objectives capture target amounts, dates, funding constraints, and client priority ratings without relying on scattered notes.
Target Horizon
Funding Goal
Client Priority
Constraints
Goal Milestone
app.qorvayth.ai/analysisLIVE · ANALYSIS
Analysis — Qorvayth AI
— 04 — ANALYSIS
Deterministic balance sheet calculation matrix and risk quantification
Calculates net worth ($995K baseline), monthly cash surplus ($3,200), debt-to-income (21.4%), emergency liquidity coverage, and asset concentration. Formulas run in deterministic code with zero LLM approximation, tracing back to source documents.
Net Worth
Cash Surplus
Debt-to-Income
Liquidity Buffer
Asset Concentration
app.qorvayth.ai/planningLIVE · PLANNING
Planning — Qorvayth AI
— 05 — PLANNING
Scenario studio modeling retirement decumulation and Monte Carlo simulations
Models savings contributions, retirement ages, inflation assumptions, withdrawal sequencing, and RMD schedules. Monte Carlo simulations test 1,000+ stochastic trials to calculate success probabilities across alternative strategy versions.
Monte Carlo Prob
Retirement Age
Contribution Pace
RMD Schedule
Scenario Version
app.qorvayth.ai/adviceLIVE · ADVICE
Advice — Qorvayth AI
— 06 — ADVICE
Advisor-approved recommendation studio with conflict and fee disclosures
Drafts evidence-backed recommendation memos (such as REC-241 increasing monthly contributions +$500/mo). Every recommendation anchors to verified planning scenarios, documents fiduciary rationale, details cost impact, and requires human advisor sign-off.
Recommendation ID
Source Evidence
Cash-Flow Impact
Advisor Review
Client Presentation
app.qorvayth.ai/executionLIVE · EXECUTION
Execution — Qorvayth AI
— 07 — EXECUTION
Implementation board tracking custodian transfers, consent, and confirmations
Tracks accepted recommendations through completion: savings rate adjustments, ACATS account transfers, beneficiary designations, and debt paydowns. Connects client consent to custodian confirmation records without unauthorized trading.
Action Item
Client Authorization
Custodian Status
Transfer Proof
Fulfillment SLA
app.qorvayth.ai/monitoringLIVE · MONITORING
Monitoring — Qorvayth AI
— 08 — MONITORING
Continuous portfolio allocation drift alerts and periodic review triggers
Monitors actual asset allocation against target investment policy statements (flagging equity drift when allocations rise 5% above target). Manages annual review obligations, life event notes, and re-planning triggers automatically.
Asset Drift Alert
Target Variance
Holdings Feed
Review Calendar
Rebalance Signal
app.qorvayth.ai/complianceLIVE · COMPLIANCE
Compliance — Qorvayth AI
— 09 — COMPLIANCE
Supervisory exception inspector and SEC Rule 204-2 examination audit vault
Flags missing disclosure acknowledgments (such as EXC-204), unreviewed recommendations, and policy deviations. Preserves tamper-evident 5-year audit trails and generates complete examination evidence packages for SEC and state regulatory inquiries.
Exception ID
Rule 204-2 Archive
Disclosure Log
Supervisory Review
SEC Exam Pack
How It Works
Your workflow, from documents to decisions.
01
Ingest & verify source documents
Bank, brokerage, 401(k), Form 1040 and mortgage PDFs upload to the factfinding vault. Layout-aware OCR extracts balances, tax lines, and asset tables with page-coordinate proof, reconciling statement totals before planning begins.
02
Model scenarios & approve recommendations
Goals, deterministic balance sheets, and Monte Carlo decumulation models generate strategy alternatives. Advisors draft recommendation memos with conflict disclosures, cost comparisons, and required human sign-offs.
03
Execute, monitor & supervise compliance
Client authorizations link to custodian transfer confirmations. The monitoring workbench tracks asset drift against investment policy targets while supervisory logs preserve tamper-evident records for SEC Rule 204-2 audits.
Traditional SaaS vs Qorvayth AI
Don’t settle for the AI your software chose.
Most platforms ship one model and you work inside its limits. Qorvayth AI puts an orchestration layer between the document and the model, so every step of a customer file runs on the intelligence that suits it.
TRADITIONAL SAAS
Built-in AI
One model, one pass, and no step you can point somewhere else.
You work within its limits.
QORVAYTH AI · ROUTED INTAKE
01
Read the scanned statement & 1040
Layout-aware OCR preserves Form 1040 line numbers, W-2 boxes, and brokerage holdings tables that general vision models flatten into unstructured prose.
Mistral
DOCUMENT AI / OCR
02
Classify every incoming document
A fine-tuned classifier distinguishes Form 1040 from 1099-DIV, brokerage statements, mortgage notes, or pension summaries page by page.
Hugging Face
INFERENCE PROVIDERS
03
Read multi-year filings in one pass
Long context ingests multi-year tax returns and 40-page trust documents, connecting trust stipulations on page 4 to account beneficiaries on page 38.
Gemini
GEMINI API
04
Extract into your CRM & custodial schema
Constrained decoding against a strict schema ensures account holdings and client facts land cleanly in Salesforce FSC, Orion, eMoney, or Wealthbox.
OpenAI
RESPONSES API
05
Draft the fiduciary recommendation memo
Drafts comprehensive advice memos citing source lines, documenting alternatives considered, and structuring conflict disclosures for advisor sign-off.
Claude
ANTHROPIC MESSAGES API
06
Deterministic calculation engine
Dedicated mathematical service executes TVM, debt amortizations, Monte Carlo runs, and RMD schedules with exact decimal precision — never LLM math.
DeepSeek
FINANCIAL MATH SERVICE
07
Verify sanctions & accredited investor status
Fuzzy entity matching checks household members and trusts against FINRA and OFAC lists using embeddings and semantic reranking.
Cohere
RERANK + EMBED
08
Redact client NPI before it leaves
A small open-weight model runs inside your private VPC, masking SSNs, account numbers, and personal identifiers for Regulation S-P compliance.
Llama
SELF-HOSTED IN YOUR VPC
One verified household record148 FACTS · 99.1% MEAN CONFIDENCE · RULE 204-2 AUDIT READY
Note: Model and product names are trademarks of their respective owners, used here to describe what runs where. Routing is configurable per workflow — no endorsement or partnership is implied.
Connectivity
Your whole advisory stack, connected.
Qorvayth AI plugs into the custodians, planning software, portfolio accounting engines, CRMs, document stores, and compliance registries your advisory practice already runs. Client statements, Form 1040s, custodian feeds, and recommendation memos sync through governed APIs — so data moves without manual re-keying between systems.
Note: Tool names and marks belong to their respective owners. No endorsement or partnership implied. Integration availability depends on existing systems, licences, API access, vendor approval, security configuration and implementation scope.
Compliance
Held to the standards your regulators are.
An advisory practice’s operating platform sits inside a strict fiduciary and regulatory perimeter. Qorvayth AI is built around the books-and-records, supervisory, privacy, and conduct frameworks that govern registered investment advisers, wealth practices, and CFP professionals.
SEC Rule 204-2
SEC Books and Records Rule
Requires registered investment advisers to preserve advisory agreements, written recommendations, financial calculations, and client disclosures for at least 5 years; the Compliance module enforces tamper-evident versioning and examination-ready audit exports.
SEC Rule 206(4)-7
Compliance Programs of Investment Advisers
Requires RIAs to adopt written policies, designate a Chief Compliance Officer, and conduct documented annual reviews; the supervisory exception workflow produces the annual compliance governance pack.
Regulation S-P
SEC Privacy of Consumer Financial Information (Safeguards Rule)
Federal mandate requiring covered institutions to protect client nonpublic personal information (NPI) with strict access controls, incident response, and timely breach notification; Factfinding and Intake enforce customer data isolation.
Form CRS & ADV
SEC Relationship Summary & Form ADV Brochure Delivery
Mandates delivery of Form CRS and Part 2 brochures at engagement establishment and annual ADV updating amendments within 90 days of fiscal year-end; Intake logs delivery and acknowledgment proof.
CFP Board Standards
CFP Board Code of Ethics & Standards of Conduct
Professional practice standards governing the 7-step financial planning process, fiduciary duty of loyalty and care, and full conflict disclosures; Planning and Advice align directly with CFP practice guidelines.
Regulation Best Interest
SEC Reg BI (17 CFR § 240.15l-1)
Heightened standard for retail customer recommendations requiring documentation of care, costs, reasonable alternatives, and conflict mitigation for broker-dealer and dual-registered advisory teams.
Note: These are standards the platform is built to support inside your workflows — obligations that fall on you as the licensee. They are not certifications held by us, and support in the product is not a substitute for your own counsel or compliance officer.
Add-ons
Add the hardware your desk needs.
FIDO2 Advisory Security Key
USB-C / NFC hardware authentication token enforcing phishing-resistant multi-factor authentication for advisors accessing client NPI and custodial data; feeds verified access events into Regulation S-P audit logs.
Client Document Desktop Scanner
High-speed duplex statement scanner for immediate digitization of physical tax returns, brokerage mailings, and mortgage schedules; streams directly into the Factfinding OCR extraction pipeline.
In-Office e-Signature Pad
Cryptographic signature-capture terminal for in-person advisory agreements, Form CRS acknowledgments, and custodial transfer authorizations with tamper-evident audit timestamps.
Note: Hardware, installation, and integration are not included in the standard subscription. Additional charges apply based on the hardware selected, integration modules required, and implementation scope.
QORVAYTH.AI SHIPS
Extraction & reconciliation agents, in production, reading real financial documents.
Structured records from Form 1040s, W-2s, 1099s, brokerage statements, and mortgage filings — live in your CRM, custodian feeds, and planning models through documented API integrations, with each agent mapped to the advisory lifecycle.
Tax return, W-2, and financial statement extraction agents
Statement balance reconciliation and portfolio drift agents
BOTH CATALOGUED IN FINANCIAL ADVISORY PLAYBOOK (INSUB_FI013)
YOUR ADVISORY AI AGENTS, RUN LIKE PRODUCTION SYSTEMS.
Telemetry, evaluations, fiduciary guardrails, human review and SEC Rule 204-2 compliance logging — pinned to the Wealth Advisory & Financial Planning playbook so extraction and modeling agents stay reliable from intake through supervision.
Intake, factfinding, analysis and scenario planning
Advisor-approved recommendations and presentation decks
Implementation tracking with custodian transfer proof
Continuous asset allocation drift and annual review alerts
SEC Rule 204-2 and Form ADV compliance evidence packs
Note: Hardware, installation, and integration are not included in the standard subscription. Additional charges apply based on the hardware selected, integration modules required, and implementation scope.
Onboarding
What your onboarding fee covers
A one-time setup that gets your advisory practice fully live on Qorvayth AI before the first billing cycle — we provision your tenant, connect your custodians (Schwab, Fidelity, Pershing) and CRM (Salesforce FSC, Orion, eMoney), configure document intake pipelines for Form 1040s and statements, and align recommendation approval workflows with your compliance manual. Scoped based on firm size, custodian feeds, historical client volume, and supervisory requirements.
Essential
$1,000+one-time
Kickoff call and implementation plan scoped to your practice and advisory model
Workspace provisioning with advisor, associate planner, and CCO role-based permissions
Initial setup of document intake for bank, brokerage, 401(k), and Form 1040 statements
Planning calculation engine calibrated to your firm's default inflation and return assumptions
Form CRS delivery logging and advisory agreement templates configured
Live-readiness check before your first subscription cycle
Onboarding handbook and operational playbook for advisory staff
Plus
Most brokerages
$2,500+one-time
Everything in Essential, plus:
Direct integration with two custodians or CRMs (Schwab, Fidelity, Salesforce FSC, Orion)
Historical client document migration and coordinate-OCR validation
Custom recommendation memo templates with firm-specific conflict and fee disclosure wording
Live training session for lead advisors and associate planners, with session recording
Dedicated wealth technology specialist guiding your firm's rollout
Automated balance reconciliation rules across custodian feeds
Enterprise
$5,000+one-time
Everything in Plus, plus:
Multi-office or multi-entity RIA deployment with branch-level supervisory hierarchies
Custom custodial and portfolio accounting connectors, SSO/SAML, and VPC-level deployment options
Bulk migration and automated reconciliation of entire client household databases
Executive sponsor and dedicated onboarding manager with an agreed rollout schedule
Where it runs
Two ways to deploy — same platform, same subscription
Run Qorvayth AI wherever your submissions, policy files and client NPI are allowed to live. The subscription price is identical either way.
Cloud (SaaS)
Runs in Nestack’s managed cloud — nothing to provision. The fastest way to get your desk live and working submissions.
Private / self-hosted
The same platform deployed inside your own infrastructure — your cloud, VPC or on-prem — for brokerages with strict NPI, NYDFS or carrier-mandated controls. Client and policy data never leave your environment, and the subscription price stays the same.
The subscription is identical on either model; only the onboarding scope differs by your security and deployment requirements.
FAQs
Frequently asked questions
Clear answers on where the account data comes from, how much of it you have to take on trust, and what the platform does between a submission arriving and the next renewal.
The subscription gives your practice access to the complete Qorvayth AI platform — Dashboard, Intake, Factfinding, Goals, Analysis, Planning, Advice, Execution, Monitoring, and Compliance. You are subscribing to one connected fiduciary workflow rather than separate disconnected point tools.
Does Qorvayth AI autonomously provide investment advice or execute trades?
No. The platform assists financial professionals rather than autonomously providing regulated investment advice or executing financial transactions. All recommendation memos, scenario changes, and execution tasks require an authorized advisor's explicit review and approval.
Is client nonpublic personal information (NPI) protected under Regulation S-P?
Client information requires firm-approved access, privacy, retention, and security controls. Review your deployment requirements and vendor policies during onboarding with your security team and compliance officer.
How are financial calculations verified for regulatory examinations?
Every calculation (net worth, cash surplus, debt amortization, TVM, and Monte Carlo decumulation) executes in deterministic numerical code with defined decimal precision — never LLM approximations. Every input retains source-document provenance linking back to exact PDF coordinates under SEC Rule 204-2.
Will it work with our existing financial planning software and CRM?
Discuss your planning tools, CRM, and custodian systems during onboarding. Available connections depend on vendor API access, licensing, security approval, and the agreed implementation scope.
How quickly can our advisory team get started?
We start with the source documents your firm already handles: Form 1040s, W-2s, brokerage statements, mortgage disclosures, and insurance policies. The rollout schedule depends on document formats, integration access, and your review requirements; agree the scope and readiness checks during onboarding.
What compliance and books-and-records evidence is preserved?
The Compliance workflow organizes disclosure acknowledgments, recommendation evidence, approval exceptions, and planning records for supervisory review. Confirm retention, export, and books-and-records requirements with your compliance officer during implementation.
Can we evaluate Qorvayth AI on sample client files before committing?
Yes. Book a walk-through and we will demonstrate Qorvayth AI against a representative household case — from statement upload and coordinate-linked extraction to scenario modeling and advisor-approved recommendation presentation.
