Augmented Advice™
Hybrid Digital Advice: Human Advice. Tech-Amplified Scale.
Serving mass-affluent investors profitably at scale is possible with the right wealth management software. Augmented Advice™, our hybrid digital advice model, pairs automated robo investing with on-demand human guidance, helping your business grow while providing the personal touch clients expect.
Why Should Wealth Firms Use Augmented Advice™?
Because the firms that win next-gen investors won’t be the ones that wait for them to walk through the door. Augmented Advice™ gives wealth firms the digital wealth management tools to attract investors earlier in their wealth journeys, serve them profitably as they grow, and deepen those relationships. The firms thriving in this environment aren’t replacing human advice — they’re amplifying it.
Serve Mass-Affluent Investors Profitably
Use automations, algorithms, and AI-powered tools can change the economics of serving smaller accounts
Offer Sophistication at Scale
Provide tax-aware investing, personalized financial planning, and direct indexing
Unlock Organic Growth
Reach next-gen investors earlier in their wealth journeys with digital wealth management software
Which Tools Can Help Wealth Firms Scale?
Automations, algorithms, and AI tools — because the years of manual administrative tasks and paperwork are disappearing just as fast as next-gen investors’ willingness to put up with them.
Portfolio Automations
Pre-built RTQs match each investor’s risk and goals profile to the right model portfolio. Rebalancer takes it from there.
Tax Optimization
Offer direct indexing starting at $1,000, long/short loss harvesting, and capital gains budgeting.
AI Financial and Tax Planning
Create financial plans, tax analyses, and transition proposals in minutes, powered by Wavvest.
Alternative Investments
Give your next-gen clients the chance to diversify their portfolios with access to Apex Alts.
What Makes Augmented Advice™ So Efficient?
Augmented Advice™ is built on the real-time, cloud-native AscendOS™ foundation — which means straight-through processing instead of overnight batch, an up-to-the-moment ledger that eliminates the need for a shadow ledger, and workflow automations that give advisors hours back every week with:
- Real-Time Account Opening in Seconds*
- Real-Time Funding and Cash Management
- Automated Model Portfolio Matching and Allocation
- Tax-Aware Portfolio Construction and Rebalancing
- Automated Long/Short Loss Harvesting
- Direct Indexing Starting at $1,000
- Real-Time Trading With Best Execution
- Automated Rebalancing Triggered by Drift
* Most securities accounts can be opened in seconds and funded moments later, enabling trading thereafter.
For demonstration purposes only. Hypothetical data; not an actual client account.
Save Advisors’ Time With Investor Self Service
Ascend Investor’s white-label client portal empowers investors to keep up with their own investments without calling their advisor for every update. And because the investor-facing portal mirrors the advisor-facing view, everyone is working with the same real-time data.
With AscendOS, investors can:
Collaborative Advisor-Investor Account Opening With eConsent
View Positions, Balances, and Transaction History
Update Personal Information, Including Address and Beneficiaries
Fund Accounts and Initiate Transfers
Track Goals and Monitor Portfolio Performance
Message Their Advisor Directly to Request Human Advice
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Who Is Augmented Advice™ Best For?
Augmented Advice™ is designed for wealth firms, RIAs, independent broker-dealers, and other businesses that want to serve more clients, particularly mass-affluent and next-gen investors, without adding headcount or compromising the quality of human advice that defines their practice.
- Established RIAs and wealth firms looking to transition to digital wealth management and reach younger investors earlier
- Independent broker-dealers modernizing their advisory platform to serve more clients digitally
- Wealth firms with large books of business that want to segment clients by service tier and automate the routine work so advisors can focus on high-value relationships
- Wealth firms that believe the future of advisory is hybrid digital advice, meaning part automated and part human, and want to lead that transition rather than react to it
The Business Case
How Can Augmented Advice™ Improve Your Bottom Line?
The economics of serving mass-affluent investors have always been the challenge. Augmented Advice™, our hybrid digital advice model, helps fix that in three ways:
- Serve More Clients Without Adding Staff. A traditional advisor can manage 50 to 150 clients. Augmented Advice™ automates tasks that consume advisor time, so the same advisor can serve a significantly larger book without burning out or falling behind
- Manage Accounts That Didn’t Make Economic Sense Before. Change the math behind serving smaller accounts by leaning on robo advising that’s supported by on-demand advice
- Expand Your Offering Without Expanding Your Vendor List. As your investors accumulate wealth and their needs become more complex, AscendOS™ supports a robust suite of sophisticated strategies and asset classes they’re asking for
Read Today’s $68 Trillion Wealth Management Opportunity to understand why the mass-affluent market is the biggest growth opportunity in wealth management — and what it takes to capture it.
Integrations
Can I Still Use My Own Preferred Tools and Models?
Of course, and that’s by design. Augmented Advice™ is built on AscendOS™, an open-ecosystem, API-first, cloud-native infrastructure that’s designed to connect with the digital wealth management tools your team already uses and grow with the ones you’ll add later.
- Model Manager. Build, nest, and customize your own models alongside pre-built options from the Model Marketplace. Use firm-wide presets, individual stock selections, or ETF allocations configured to your investment philosophy
- Integration Marketplace. Use third-party tools your team already likes (think CRM, financial planning, billing, performance reporting, and more) all pre-integrated into AscendOS so you don’t have to build every connection yourself
- APIs and SDKs. For firms with engineering resources, open APIs give you full control over how Augmented Advice™ capabilities are integrated into your existing platform and workflows
Ready to Grow With Augmented Advice?
Skip the marketing materials and cut straight to getting answers to your specific questions about offering hybrid digital advice. Submit this form, and an Apex rep will reach out to you shortly.
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