Investment Policy Statements
Versioned IPS with risk tolerance, time horizon, liquidity needs, ESG preferences, target allocation, and auto-generated PDF.
For Wealth Advisors
An AI Workspace for Advisor Workflows
IPS generation, automated tax-loss harvesting, after-tax optimization, AI pre-meeting briefs, and client-ready reports — purpose-built for advisors who manage real client books.
What you get
Designed for the advisor's day
From IPS to TLH to pre-meeting prep — the workflow that runs your practice, faster and smarter.
Automated Tax-Loss Harvesting
Lot-level harvesting with wash-sale enforcement across the entire household, replacement-security suggestions, and client-ready narrative.
Federal + 50-State Tax Math
Live federal, state, NIIT, and AMT math on every proposed trade — short-term vs long-term aware, lot-accounting aware.
Multi-Portfolio Aggregation
Master account + proposed allocations across multiple custodians and entities, with consolidated risk and tax views.
AI Pre-Meeting Briefs
Annual reviews, quarterly check-ins, tax planning, retirement planning — Inspolio drafts the agenda, talking points, and follow-ups.
Client-Ready PDF Reports
One-click portfolio reports with executive summary, performance, tax summary, and benchmark comparisons — your branding.
Unlimited Client Workspaces
Each advisor gets a secure workspace with unlimited client portfolios, role-based access, and full audit logging.
Proactive Smart Alerts
Nightly scans of every client portfolio — drift breaches, tax-loss opportunities, news catalysts, and earnings on holdings.
AI Assistant for Every Client
Ask: "What's Mrs. Smith's Sharpe ratio?", "What's the after-tax cost of selling AAPL?". The AI answers with sourced data.
IPS at Scale
Generate, version, and enforce IPS across your whole book
Inspolio's IPS module captures every dimension of a wealth client — risk tolerance, time horizon, liquidity needs, restrictions, ESG, target allocation, rebalancing bands — and produces a versioned PDF stored on encrypted S3. Every optimization for that client then respects the IPS constraints automatically.
- Full wealth-management client profile captured in one form
- Auto-generated PDF IPS document, versioned on every change
- IPS-driven constraints flow into the portfolio optimizer
- AUM snapshots recorded over time for fee billing and reporting
Tax Alpha, Automated
Capture the tax alpha you're leaving on the table today
Even well-run RIAs miss harvest opportunities — the calendar is busy, the math is tedious, and wash-sale enforcement across multiple accounts is hard. Inspolio's TLH engine scans every client every night and surfaces every eligible harvest with the proposed replacement trade and a client-friendly explanation.
- Lot-level harvesting (FIFO, LIFO, HIFO, specific-lot)
- Wash-sale enforcement across the household, not just one account
- Replacement-security suggestions that maintain factor exposure
- Plain-English explanation auto-written for client presentation
FAQ
Wealth Advisor FAQ
Built for Advisors
Give every client institutional-grade attention
Inspolio scales the deep analytical work that used to be reserved for your top accounts — to every client in your book.