AI for financial advisors
Ultramarine Work builds the financial plan, traces the estate documents, projects the year-end tax and checks the fee billing from the statements, tax returns and PDFs each household folder already holds.
Hollis-Q3-fee-billing.xlsxExample| Account | AUM 9/30 | Days billed | Q3 fee | Comment |
|---|---|---|---|---|
| Joint brokerage x4410 | 1,184,260 | 92 | 2,183.96 | This is a full quarter at the 0.7377% household blended rate. |
| Traditional IRA x7782 | 612,745 | 92 | 1,130.00 | The IRA pays its own fee, as the advisory agreement requires. |
| Roth IRA x7790 | 198,330 | 92 | 365.75 | The Roth IRA pays its own fee from its cash sweep. |
| Revocable trust x5126 | 286,150 | 52 | 298.27 | The account funded Aug 10, so the fee covers 52 of 92 days. |
| Household | 2,281,485 | 3,977.98 | The tiers give $16,829.65 a year, a 0.7377% blended rate. |
NoteThe custodian debited $527.71, a full quarter, from the trust account, so credit back $229.44.
Ask it for
“Build the Hartman household’s retirement cash flow: both spouses to age 95, each claiming Social Security at 70, $96,000 a year, married filing jointly.”
Hartman-retirement-cashflow.xlsx“Trace how every asset in the Whitaker estate passes, from the will, the trust and the beneficiary forms, and flag the 401(k) still naming the former spouse.”
Whitaker-estate-trace.docx“Project the Brennans’ 2026 federal tax from their 2025 return plus the $62,000 gain realized in September, and size the Q4 estimates for safe harbor.”
Brennan-2026-tax-projection.xlsx“Run the Okafors’ DIME gap with $24,000 of car and card debt, 12 years of income replacement on $140,000, the $318,000 mortgage, college at $110,000 per child.”
Okafor-insurance-gap.xlsx“Calculate Q3 billing for the Hollis household, 0.85% on the first $1M of AUM and 0.65% above, billed in arrears, prorating the account funded August 10.”
Hollis-Q3-fee-billing.xlsx“NIGO-check the Eaton ACAT package: registration against the 2025 statement including trustee wording, inherited IRA to inherited IRA, full transfer in kind.”
Eaton-transfer-NIGO-check.xlsx
Inside the Financial Planning & Wealth Management mode
Financial plan and retirement projection
Builds the household cash flow model and tests whether it lasts to age 95. Every assumption is written down, so you can argue with it.
Investment policy rebalancing and reviews
Writes the IPS with drift bands and lists the lot-by-lot trades that bring the taxable accounts back to target without stepping on the wash-sale window.
Insurance needs analysis
Sizes term life, disability, LTC and umbrella gaps by DIME or human life value. Every gap shows next to what the existing policies already pay.
Estate and trust document summary
Reads the will, the trust and every beneficiary form, then traces who inherits what through which door and where the documents disagree.
Tax projection and estimates
Projects the year’s tax from returns and realized gains. Shows the bracket room left for a Roth conversion and drafts Q4 estimates with safe harbor math.
Student loan repayment options
For a borrower choosing a repayment plan, it compares RAP, IBR and standard repayment month by month and counts which payments actually earn PSLF credit.
Account paperwork and money movement
Prepares transfers, RMD instructions and beneficiary changes, and screens the forms for the NIGO defects custodians bounce, like a mismatched title.
KYC CDD EDD review
Assembles the CIP, CDD and EDD file, from beneficial owners and expected activity to source of wealth and the reasoning behind the risk rating.
Advisory fee billing
Runs quarterly AUM billing with tiers, householding and exclusions, and prorates mid-quarter moves. It audits a billed quarter against the agreement.
Financial marketing compliance review
Marks up decks, ads and performance pages against the Marketing Rule and FINRA 2210, and drafts the approval log for the principal or compliance officer.
Elder financial exploitation escalation
Documents the red flags, the trusted contact outreach and the temporary hold on a suspicious wire, so the Rule 2165 record exists before the money leaves.
- Office skills
- Excel, Word, PowerPoint, PDF
- Tools
- Read, edit and write files, Search files, Run code, Search and read the web, View images
- Connectors
- SharePoint, Google Drive, Gmail, and additional custom connectors
- House style
- Your fonts, layouts and rules, on every file
How it works
- 1
Open the household folder
Drop in the statements, tax returns, plan output, wills and trusts, insurance policies, the advisory agreement and the custodian paperwork, organized as each household’s folder already is.
- 2
Name the next piece of work
The retirement projection for the review meeting, the 2026 tax projection, the estate trace or a NIGO pass on the transfer forms comes back as a finished file. Each figure names the file it came from.
- 3
Verify, then decide
Tie the figures back to their sources and test the assumptions before anything leaves your desk. Nothing trades, transfers or goes to the household until you decide it does.
Who it’s for
Advisory teams at RIAs, broker-dealers, banks and planning firms: financial advisors and planners, paraplanners, client service associates and practice operations staff.
Questions
Where does client data go when we run a request?
Ultramarine Work changes files only in the project’s folder. When a request needs it, it can read files elsewhere on your computer, never passwords, keys or app data, and you can turn that off in settings. The model runs on Paper Instruments’ servers, so the content it works on is sent there to be processed. Paper Instruments is SOC 2 Type II, and our security and compliance details are on our compliance page.
Our client files are GLBA nonpublic personal information. Can staff use the tool?
Yes, for planners working their own client files, but a firm’s deployment needs vendor review before the tool touches those records. That review should cover where the content is processed, what the vendor agreement says about training data, and how the tool fits your Reg S-P oversight of service providers. Read our compliance page for the security details, and let your compliance team make the final call.
Will it invent tax rules or cite things that don’t exist?
Yes, it can, which is why the mode’s skills make it cite the source file for every number and state what it could not find or reconcile instead of guessing. No model catches every fabrication, though. The last read is yours, so review every file it touched before a client sees it.
Can AI-drafted marketing go out without compliance review?
No, the Marketing Rule and FINRA 2210 apply to AI-drafted material exactly as to anything else, and a retail communication still needs a registered principal’s approval before use. Ultramarine Work marks up the draft against those rules and builds the approval log, but the principal or your compliance officer approves it or sends it back.
Do its outputs become part of our books and records?
You get finished files back in the project folder, and whether they belong in the books and records is your firm’s decision. If your program follows the SEC’s Rule 204-2 or FINRA’s books-and-records rules, treat its outputs like any other draft and keep the version you relied on with the support behind it.