A September 2025 Cerulli Associates survey revealed that only 27% of future inheritors intend to keep the financial advisor used by their benefactor. With an estimated $120 trillion in wealth expected to transfer over the next 25 years, this reality presents a significant and imminent challenge for RIAs: the potential erosion of client assets across generations.    To safeguard against this attrition, advisors must think beyond traditional engagement tactics. The firms that

The wealth management industry is undergoing profound change. Registered Investment Advisors (RIAs)  that want to remain competitive in the decade ahead must adapt to shifting client expectations today. Increasingly, investors are looking for more than portfolio management; they want convenience, comprehensive solutions, and relevance across every stage of their financial lives. For RIAs, the opportunity is clear: evolve from a traditional custodian-dependent model into a tru

As mortgage rates begin to decline in 2025 , Registered Investment Advisors (RIAs) are facing a unique opportunity to help clients rethink one of the largest assets on their balance sheets: home equity .    According to recent data from Cotality, U.S. homeowners are now sitting on over $34 trillion in home equity —a historic high. Yet many of these homeowners aren’t leveraging this wealth. Instead, they’re focused on paying off mortgages, with 40% of households now owning the

We’re Proud to Announce: We’ve Achieved SOC 2® Type 1 — A Major Milestone in Our Commitment to Serving RIAs and Independent Financial Advisors     At Fispoke, we’re excited to share that we have successfully completed our SOC 2® Type 1 attestation — a major trust and security milestone that underscores our commitment to serving RIAs with the highest level of institutional rigor.    This achievement reflects our belief that wealth management firms should never have to compromi

Fispoke is excited to announce an integration with Wealthbox. Fispoke enables financial advisors to strengthen and deepen their client...

As an independent advisor, you strive to be your clients’ first call—no matter the financial question. But what if there’s a critical area you’ve been overlooking—one that could dramatically deepen relationships, increase wallet share, and make your practice more indispensable?   Private banking services may be the missing link. Whether your clients are focused on building, preserving, or transferring wealth, private banking solutions offer a powerful extension of your core v

As artificial intelligence transforms the financial industry, a key question emerges for independent advisors: How do RIAs stay relevant in a world where machines can analyze, automate, and optimize faster than ever before? The answer isn’t to compete with AI - it’s to do what AI can’t : build deep, personal, and holistic relationships with clients. By offering private banking solutions , RIAs can evolve from investment managers to personal CFOs , creating value that technolo

Want to Grow Your RIA Without Giving Away Equity? Here’s How M&A activity in the independent advisor space isn’t slowing down—but too many advisors still think the only way to fund growth is through private equity . The problem? Private equity often comes with strings attached: Loss of control Diluted ownership Pressure for short-term returns Potential culture shifts   There’s another path. One that keeps advisors in the driver’s seat. Bank-Financed Growth, Built for Advisors

As client expectations rise, Registered Investment Advisors (RIAs)  are being called to deliver more than just investment management. Affluent and high net worth clients increasingly want comprehensive financial solutions —and that includes access to mortgages. By incorporating competitive-rate mortgage solutions into your private banking offering, you don’t just meet an immediate need. You create a powerful strategy for client retention, ecosystem control , and long-term va

With an $83.5 trillion wealth transfer underway, RIAs that quickly evolve to retain and grow with the next generation won’t just offer investment management, they’ll offer relevance. The recent Capgemini 2025 World Report Wealth Management  found that a staggering 81% of wealthy heirs will leave their parent’s financial advisor soon after the transfer.   “To retrain or attract this wealth, firms will need to act today—develop personalized strategies to cater effectively to th

Every dollar in a client’s portfolio should have a purpose. But too often, we overlook one of the most underutilized tools in financial planning— the high-yield savings account (HYSA). Today’s HYSAs offer 10x or more  the interest of large national bank accounts—allowing clients’ cash to work harder for them, while still being accessible when it is needed. That alone should get our attention. But the real power lies in how you integrate them into your clients’ total cash stra