Automated Suitability & Reg BI Review

Trade recommendations, account-type recommendations, rollover recommendations, and product recommendations against the client's risk tolerance, investment objectives, time horizon, financial situation, and any other factors required by FINRA Rule 2111, Reg BI, and your firm's own suitability policy. It produces a structured suitability assessment with citations to the underlying client data and product disclosures.

Reg BI requires reasonable diligence, care, and skill in evaluating and comparing reasonably available alternatives. The agent maintains a current product universe, evaluates the recommendation against alternatives at the moment of recommendation, and documents the comparison - which is exactly the documentation firms struggle to produce in examinations. The output is a structured care-obligation memo, not a generic suitability checkbox.

Yes. The agent surfaces patterns that supervisors should investigate - concentration in proprietary products, unusual rollover frequency, age-inappropriate risk profiles, or recommendations that consistently produce the highest commission for the advisor. These are the patterns that drive regulatory enforcement; surfacing them proactively is dramatically less painful than discovering them in a customer complaint.

We build the integration to whatever custodial, trading, or CRM platform your team already runs, and confirm exact connector scope - reviewed against your compliance team's requirements - on the strategy call. The system operates inside your existing supervisory workflow rather than asking firms to migrate.

Risk-based prioritization. Routine recommendations within the client's documented profile - rebalancing within risk tolerance, standard product categories, no concentration concerns - flow through with documentation. Recommendations that fall outside the profile, involve complex products, or trigger any of the firm's elevated-review criteria escalate to a supervisor with the full context attached. Supervisors handle judgment cases; the agent handles volume.

Complex products receive elevated review by default. The agent documents the suitability analysis specific to product features - surrender charges, riders, fee structure, tax treatment, and compares against alternatives the client could reasonably access. This is one of the highest-value applications because complex-product reviews are where documentation gaps tend to run deepest.

You have a working system inside the first 100 days. Weeks 1-3 cover platform integration and policy ingestion. Weeks 4-10 train the agent on your historical supervisory decisions and validate against known cases. Weeks 11-14 deploy, starting with one product category, typically equity and mutual fund recommendations, then expanding to complex products and account types.