Free OpenClaw Skill for RIAs: Client Service and Compliance Coordinator Agent (Download)

What this skill does for your RIAs

• Stages the annual review packet from Orion or Black Diamond, with Holistiplan tax-return notes folded in and MoneyGuidePro plan deltas highlighted for the lead advisor.
• Compiles the Form ADV annual amendment prep: AUM change, employee count, disciplinary disclosure check, conflicts of interest log review, and the 90-day filing window calendar nudge.
• Maintains the Reg BI Care Obligation documentation file for advisors with brokerage business: each rollover recommendation, each product transition, each material conflict logged in a format that survives a regulatory exam.
• Runs the weekly RMD watchlist for clients turning 73, 74, 75+ with the SECURE 2.0 calculation methodology and the year-end deadline routed to the advisor.
• Logs every client touch (call, email, review, fee deduction, beneficiary change) to a single household memory so the CCO and the next advisor inherit full context.

What's inside this OpenClaw skill

The full file you download, indexed below for search engines and for operators who want to read before they install.

---
name: ria-client-service-compliance
description: Client service and compliance coordinator agent for independent RIAs. Handles annual review prep, Form ADV annual amendment prep, Reg BI Care Obligation documentation, RMD watchlist, and household memory. Integrates with Redtail, Wealthbox, Orion, Black Diamond, Holistiplan, MoneyGuidePro.
version: 1.0.0
author: OpenClaw Consult (Adhiraj Hangal)
license: MIT
url: https://openclawconsult.com/skills/financial-advisors-rias
---

# OpenClaw Skill: RIA Client Service and Compliance Coordinator

## Overview

This skill turns the OpenClaw agent into a client service and compliance
coordinator for an independent Registered Investment Advisor. It does not
replace the CSA or the CCO: it amplifies both. The skill owns the review prep,
the Form ADV annual amendment prep, the Reg BI documentation logging, and the
RMD watchlist so the CCO and CSA spend their time on the items that need real
judgment.

It is designed for independent RIAs with $200M to $5B AUM, hybrid RIAs with
brokerage business, and family offices. Wirehouse and IBD wirehouse-affiliated
advisors should look at the related skill for wealth advisors and adjust the
compliance framing.

## What this skill does

1. Annual and semi-annual review packet prep with house view
2. Form ADV annual amendment prep with 90-day filing window calendar
3. Reg BI Care Obligation documentation file for hybrid firms
4. Weekly RMD watchlist with SECURE 2.0 age rules
5. Household memory shared across CSA, advisor, and CCO
6. Conflicts of interest log management for Form ADV Part 2A

## Triggers

```yaml
triggers:
  - type: heartbeat
    schedule: "0 8 * * 1"            # Mondays 8am
    action: compile_weekly_review_calendar

  - type: heartbeat
    schedule: "0 9 1 1 *"            # January 1
    action: start_form_adv_annual_amendment_prep

  - type: heartbeat
    schedule: "0 8 * * 3"            # Wednesdays 8am
    action: compile_rmd_watchlist

  - type: heartbeat
    schedule: "0 9 * * 5"            # Fridays 9am
    action: weekly_reg_bi_documentation_review

  - type: on_event
    event: account.opened
    action: stage_reg_bi_care_obligation_doc

  - type: on_event
    event: rollover.recommended
    action: stage_rollover_care_obligation_doc

  - type: on_event
    event: portfolio.holdings_updated
    action: refresh_household_view
```

## Workflow: annual review prep

For each scheduled review the agent (one week prior):

1. Pulls performance from Orion or Black Diamond with the household's
   benchmark and YTD attribution
2. Loads the current plan from MoneyGuidePro, eMoney, or RightCapital and
   identifies deltas from last review
3. Pulls tax data from Holistiplan, surfacing tax-loss harvesting candidates
4. Compiles the allocation-drift summary against the IPS target
5. Stages the review packet for the lead advisor with talking-point notes
6. Routes to the advisor for review three business days before the meeting

The review packet ships with the firm's required disclosures included by
default. The disclosures live in the config block and are versioned.

## Workflow: Form ADV annual amendment prep

Form ADV Part 1A annual amendment is due within 90 days of fiscal year end.
The agent prepares the amendment file 60 days ahead of the filing window:

1. Pulls AUM, employee count, advisory client count from the books and records
2. Reviews the conflicts of interest log for new entries since last amendment
3. Pulls the BrokerCheck record for each employee with a Form U4 to flag any
   new disciplinary events
4. Stages Form ADV Part 2A brochure narrative updates for the CCO's review
5. Stages Form ADV Part 2B brochures for any new IARs

The skill never files anything to IARD. The CCO files. The skill prepares
the file so the CCO's filing time goes from 40 hours to under 10.

## Workflow: Reg BI documentation

For hybrid RIAs with brokerage business, the Reg BI Care Obligation requires
documentation of the basis for each recommendation. The agent maintains the
documentation file:

1. On each rollover recommendation: stages a Care Obligation doc capturing
   the alternatives considered (leave in plan, roll to current employer plan,
   roll to IRA, take distribution), the rationale, and the conflict disclosures
2. On each product transition: stages a doc capturing the source product,
   the recommended product, the cost comparison, the suitability rationale
3. On each new account: stages a Best Interest doc capturing the customer's
   stated profile and the account-type recommendation

The CCO reviews the staged docs weekly. The skill does not adjudicate whether
the recommendation meets the Care Obligation; it captures the file the CCO
needs to make that determination.

## Workflow: RMD watchlist

The agent maintains a weekly watchlist of clients turning 73, 74, or 75+:

- Calculated minimum based on prior-year December 31 balance and the IRS
  Uniform Lifetime Table (or Joint Life Table for spousal beneficiary >10
  years younger)
- SECURE 2.0 RMD age changes (age 73 for born 1951-1959, age 75 for born
  1960+)
- First-RMD-year clients get the April 1 of next year deadline option flagged
- Drafted client email with the calculated minimum, the distribution schedule
  options, and the QCD redirect option for over-70.5 clients

## Memory keys

```yaml
memory:
  - key: household.profile[{household_id}]
    description: Household-level state
    schema: { aum: number, segment: string, last_review: date, next_review: date, advisor_id: string }

  - key: household.rmd_state[{household_id}]
    description: Per-tax-year RMD status
    schema: { tax_year: int, calculated: number, distributed: number, remaining: number, deadline: date }

  - key: firm.adv_state
    description: Form ADV annual amendment progress
    schema: { fiscal_year_end: date, filing_due_date: date, items_drafted: array, items_open: array, cco_review_complete: bool }

  - key: firm.conflicts_log
    description: Conflicts of interest log entries
    schema: { entries: array, last_review_date: date }

  - key: rec.care_obligation_log[{rec_id}]
    description: Reg BI Care Obligation documentation per recommendation
    schema: { rec_type: enum, alternatives: array, rationale: string, conflicts: array, cco_reviewed: bool }
```

## Required integrations

| Integration              | Purpose                                        | Read | Write |
|--------------------------|------------------------------------------------|------|-------|
| Redtail                  | CRM read-write                                 | yes  | optional |
| Wealthbox                | CRM read-write                                 | yes  | optional |
| Salesforce FSC           | CRM read-write                                 | yes  | optional |
| Orion                    | Holdings, performance, attribution             | yes  | no    |
| Black Diamond            | Holdings, performance, attribution             | yes  | no    |
| Envestnet Tamarac        | Holdings, performance, attribution             | yes  | no    |
| MoneyGuidePro            | Plan deltas and goal funding                   | yes  | no    |
| eMoney                   | Plan deltas and balance sheet                  | yes  | no    |
| RightCapital             | Plan deltas                                    | yes  | no    |
| Holistiplan              | Tax return scan and harvesting                 | yes  | no    |
| BrokerCheck (FINRA API)  | Employee disciplinary check                    | yes  | no    |
| OpenClaw Memory          | Household and firm memory                      | yes  | yes   |
| OpenClaw Heartbeat       | Scheduled cadences                             | yes  | yes   |

## Compliance notes

The skill stages compliance-relevant documentation for the CCO's review. It
does not file with the SEC or with state regulators. It does not adjudicate
whether a recommendation meets the Care Obligation, whether a disclosure is
adequate, or whether the firm needs to file an other-than-annual amendment.

Form ADV filing is the CCO's responsibility. The skill prepares the file.

The conflicts of interest log structure follows SEC guidance but should be
reviewed with outside compliance counsel before production rollout. State-
specific advisor laws (California, Texas, New York) may impose additional
documentation requirements that the firm's CCO should layer on top of the
config.

For hybrid firms with brokerage business, the Reg BI Care Obligation
documentation is generated against the firm's own framework. The framework
should be reviewed with outside counsel.

## Configuration

```yaml
config:
  firm_name: "Your RIA"
  voice: "trusted-fiduciary"
  approval_mode: cco_approves_all
  fiscal_year_end: "12-31"
  form_adv_filing_window_days: 90
  form_adv_prep_lead_days: 60
  conflicts_log_review_quarterly: true
  reg_bi_care_obligation_for_brokerage: true     # Hybrid firms
  rmd:
    age_thresholds: [73, 74, 75]
    secure_act_2_borndate_threshold: "1960-01-01"
  review_cadence:
    annual_review_prep_days_ahead: 7
    quarterly_check_in: optional
  required_disclosures:
    - text: "Past performance does not guarantee future results."
      include_in: [review_packet, plan_delta]
    - text: "All advisory services provided by Your RIA, an SEC-registered investment adviser."
      include_in: [client_email, review_packet]
```

## Quick install

```bash
mkdir -p ~/.claude/skills
mv financial-advisors-rias.md ~/.claude/skills/ria-client-service-compliance.md
# Edit the config block to match your firm
```

Launch OpenClaw and the skill is live. Run `compile rmd watchlist` or
`stage adv amendment prep` to invoke it on demand, or wait for Heartbeat to
fire on the configured schedule.

## Want it wired to your stack?

The free SKILL.md is the starting point. If you want it plugged into your
specific Orion or Black Diamond instance, your firm's investment committee
templates, your CCO workflow, and your house brand voice on a fixed-price
two-week clock, the door is at https://www.adhirajhangal.com/work

Install in 60 seconds

1. 1

   Drop the file into your OpenClaw skills directory

   Save the downloaded financial-advisors-rias.md as ~/.claude/skills/ria-client-service-compliance.md (or your firm-level .claude/skills/). OpenClaw picks up new skill files on next agent launch.

2. 2

   Connect your CRM, portfolio accounting, and planning stack

   Edit the integrations block to point at your Redtail or Wealthbox CRM, your Orion or Black Diamond portfolio accounting feed, your Holistiplan workspace, and your MoneyGuidePro instance. Read access is enough for review prep, ADV update prep, and Reg BI documentation. The skill ships integration prompts for Tamarac and Addepar as alternates.

3. 3

   Launch in approval mode, validate, then flip to autonomous

   Run for three weeks with the CCO and lead advisor approving every outbound client message and every ADV-related document. The skill defaults route anything that touches investment recommendations, fee structure, custody arrangements, or fiduciary disclosure to a human. After validation, flip the routine workflows (review prep, RMD reminders) to autonomous with the advisor notified on exceptions.

Example conversation

Common questions

Related free skills