Your Onramp to Modern Wealth Management
Your next growth market is already here. $52 trillion in wealth management assets today. $120 trillion more on the way.¹˒² Apex has already built the tech- and AI-forward tools you need to help capture this mass-affluent market.
Apex Wealth Platform
All Eyes Are on the Mass Affluent. Including Ours.
38.4 million households. $37.7 trillion in investable assets.¹ And three generations of investors — Millennials, Gen Z, and even Gen Alpha with their Trump Accounts — that legacy technology was never built to serve profitably. Read Today’s $68T Wealth Management Opportunity to take a deeper dive into next-gen investors’ needs.
Ambitious companies can use AscendOS™ to change the math that previously kept younger investors from accessing financial advisors. Our purpose-built platform uses automations, algorithms, and AI-powered tools to significantly reduce the time it takes to provide personalization at scale using:
- Portfolio construction and management automations
- Automated tax optimization
- Product and service expansion opportunities
- Straight-through processing instead of overnight batch
- Real-time cash balances and positions, powered by the Ascend Ledger
- A single custodian for an expanding range of asset classes, including alternatives, prediction markets, and more
- A platform designed to grow with your business as you add asset classes and advisory capabilities
- Flexible integration options via UIs or APIs
¹ Roame, Chip. U.S. Wealth Management and WealthTech Key Trends. Tiburon CEO Summit L Keynote Presentation. April 20–22, 2026. Palace Hotel, San Francisco. Tiburon Strategic Advisors.
² Cerulli Associates. U.S. High-Net-Worth and Ultra-High-Net-Worth Markets. December 2024.
The securities shown are for illustrative purposes only and are not to be considered as a recommendation.
Ascend Investor
Your Faster Path Into Wealth Management
Most firms entering wealth management face the same bottleneck: Building the front-end investing experience can take 12–24 months and significant development resources. Ascend Investor can cut that timeline by up to 50%⁴ — delivering a vertically integrated, fully digital investor experience from onboarding to trading, all built on AscendOS real-time infrastructure, including:
- White-Label UIs. Pre-built investor-facing mobile and web experiences, configurable to your brand and business model
- Configurable RTQs. Risk- and goals-based questionnaires that algorithmically match each investor’s profile to the right model portfolio from day one
- Automated Portfolio Allocation. After RTQ completion, the system provides a recommended model portfolio and can automatically allocate the account
- One Technology Foundation. Supports self-directed, robo, and full-service advisory models without switching platforms as your business grows
- Embedded Wealth SDK. Add investing capabilities directly into your existing app with minimal coding required
⁴Based on Apex proprietary data as of 6/30/26, comparing estimated 12–24 month traditional development timelines to client implementations using Ascend Investor white-label and SDK solutions.
The securities shown are for illustrative purposes only and are not to be considered as a recommendation.
Apex Rebalancer
How Can Personalization at Scale Be Profitable?
By letting advanced automations and algorithms do the heavy lifting, replacing manual portfolio construction and ongoing management tasks that previously consumed hours with tools that can complete the same complex tasks in mere moments.
Model Marketplace
Access institutional grade models from Aptus Capital Advisors, Franklin Templeton, PIMCO, State Street Global Advisors, and Zacks Investment Management
Model Manager
Build, nest, and customize your own models alongside pre-built Marketplace options
Automated Rebalancing
Receive notifications when accounts drift from target allocations, then rebalance down to the fractional share level with one click
Additional Customizations
Offer sophistication with additional features such as capital gains budgeting, sleeve and household rebalancing, security equivalents, and dollar cost averaging
Model Marketplace
Access third-party models
Use Apex Model Marketplace to reduce your operational lift without sacrificing quality. Access a broad library of models, all integrated directly into Apex Rebalancer.
Get models from established asset managers
Select models to align with client objectives
Save time on portfolio construction
Tax Optimization
Can Direct Indexing Be Offered to Mass-Affluent Investors?
Yes. Most platforms set direct indexing minimums at $100K or higher. Apex starts at $1,000. That gap is the difference between a feature reserved for wealthy clients and a genuine growth tool for serving the mass-affluent market with sophisticated strategies.
Long/Short Loss Harvesting
100/0 strategies from $1,000. 130/30, 150/50, 200/100, and 250/150 strategies from $100,000
Fractional Shares
Invest exact dollar amounts rather than whole shares, so every dollar works harder for the investor.
Custom Index Upload
Supply your own indices, a capability most competitors don’t offer, rather than choosing from preloaded benchmarks.
Apex direct indexing strategies may be available starting at $1,000, subject to eligibility and platform availability.
Wavvest’s AI Planning
Get Help Providing Personalized Financial Plans Efficiently
Wavvest’s AI Planning
Get Help Providing Personalized Financial Plans Efficiently
Our AI financial and tax planning assistant, powered by Wavvest, can multiply an advisor’s planning capacity. Plus, advisors can generate personalized financial plans using real-time client data provided by the Ascend Ledger.
What is the Wavvest AI-driven financial planning tool best for?
- Goals-based financial plans with multiple timelines and priorities
- Tax planning covering asset location, Roth conversion strategies, and income and capital gains timing
- Transition plans for clients changing jobs, selling a business, or transferring wealth
- Estate analyses covering wealth transfer, beneficiary strategies, and legacy planning
- Equity compensation plans for clients with RSUs, ISOs, and other equity-based income
- Direct indexing benefits modeling to quantify tax alpha vs. traditional ETF strategies
- Insurance policy analysis including indexed universal life (IUL) and other complex products
- Niche client planning for business owners, medical professionals, and other specialized segments
Ascend Workstation
Less Tab Hopping. More Actual Advising.
Ascend Workstation
Less Tab Hopping. More Actual Advising.
Tab-switching, redundant logins, and manual lookups don’t feel like a big deal in the moment. Multiplied across a full book of business, they’re a significant drain on advisor capacity. The Ascend Workstation is designed to reduce this wasted time with:
Real-Time Account Management
- Open, fund, view, and edit accounts, including bulk account opening
- Aggregate household accounts with consolidated views and reports
- Monitor margin and non-purpose lending enrollments
- Manage money movement including ACH, wires, and checks at the firm, investor, or account level
- Add CRM-style account notes directly in the Workstation
Workflow Automations
- Access a book-of-business metrics dashboard designed for investment professionals
- Receive alerts and suggested next-best actions to streamline process flows
- Manage self-service user access and role permissions
- Maintain a centralized audit trail across all accounts
Billing and Performance Reporting via BridgeFT
- Access advisor fee billing, performance reporting, and held-away account aggregation directly inside the Workstation
- Generate PDF statements or dynamic web-based dashboards
- Support Time Weighted Return (TWR) or Internal Rate of Return (IRR) calculations
- Skip the inconvenience of an additional vendor login
Asset Classes and Account Types
Expand Your Offering Without Expanding Your Vendor List
AscendOS™ supports a broad range of account types and asset classes so firms can serve more wealth management needs from a single platform without adding custodians, managing multiple relationships, building every third-party connection yourself, or reconciling held-away account data.
For Millennial and Gen Z investors, diversification looks very different than it did for previous generations. AscendOS supports the full range of securities that next-gen investors actually hold — in one place, under one custodian.
- 72% of younger investors aged 21–42 don’t believe traditional portfolio structures can deliver above-average returns⁵. They’re looking at alternative investments instead. Read the “Why Alternative Investments Are Generating Interest Now” blog to learn more [link to: https://apexfintechsolutions.com/blog/why-alternative-investments-are-generating-interest-now/]
- Many next-gen investors built their investing habits on crypto and continue to hold digital assets along with traditional securities
- Prediction Markets are expanding rapidly, giving next-gen investors access to an entirely new asset class that most traditional platforms still don’t support
⁵ Bank of America. “ Millennials and Gen Z Allocate Three Times More of Their Investment Portfolios to Alternative Investments Than Older Generations.” June 18, 2024. https://www.cnbc.com/2022/10/12/young-wealthy-investors-are-turning-to-alternative-investments.html.
⁶ Select asset classes are available as a third-party integration.
Integration Marketplace
Which Third-Party Tools Are Integrated With AscendOS?
The Apex Integration Marketplace gives access to pre-integrated third-party tools across three categories, so you can build your wealth management tech stack the way you want without connecting to or contracting with every provider yourself.
See who’s in our marketplace today.
Wealth Tools
Investment Products
Features and Point Solutions
Data insights and tools
Built-in business intelligence
Access and analyze your own real-time data with Apex Insights, our built-in BI (Business Intelligence) tool built on Google Cloud’s Big Query platform.
Pre-built and custom dashboards
Ad-hoc reports powered by Google Looker Studio
Built-in PII controls (Personal Identifiable Information)
Real-time data warehouse
Ready to Capture the Next Generation of Wealth?
Apex has a wealth management solution that can fit almost any investing vision your business has. From a full-stack AscendOS™ deployment to a single module integration, we’ll help you find the right onramp. Complete this form and an Apex representative will reach out to discuss your options.
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