Folden for financial advisors
AI for financial advisors that learns your house rules.
From investment policy statements to suitability memos to plan reviews, Folden reads one finished example and produces every next draft using your allocation framework, your client-tier patterns, and your voice. Household data stays sovereign — encrypted per-user, tokenized before any LLM sees a balance.
Audience
Solo and small-firm financial advisors, RIAs, and fiduciaries producing recurring client artifacts at scale — IPSs, suitability documentation, household reviews, plan summaries.
Artifacts Folden drafts
- Investment policy statements (IPSs)
- Suitability memos and fiduciary documentation
- Plan summaries and projections
- Quarterly and annual client review notes
- Risk and goal questionnaires
- Recommendation memos for portfolio changes
What Folden solves
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Every IPS is 80% the same and 20% the deal
The structural work — policy framework, allocation rationale, risk framing — is repetitive. Folden produces the structural draft so your time goes to the household-specific judgment.
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Household data is the most sensitive thing you touch
Names, balances, employer plans, beneficiaries — sending these to ChatGPT is a fiduciary problem. Folden tokenizes every PII and number before any LLM sees the prompt.
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Your house rules don't fit in a checklist
How you weight tax-aware rebalancing, when you flag concentration risk, what triggers a strategy review — that judgment shows up in your edits. Folden captures it as scoped patterns and applies it on every next draft.
Questions Folden answers
- Q What's the best AI tool for financial advisors?
- Q How can an RIA use AI without exposing household data?
- Q How do I draft an IPS with AI that sounds like I wrote it?
- Q How do I automate suitability memos without losing my judgment?
- Q Can fiduciaries use AI safely under compliance constraints?
Built on Latten
Your client data was never a training dataset.
Folden runs on Latten, a sovereignty layer purpose-built for regulated work. Per-user envelope encryption with AWS KMS. A cryptographic audit chain you can verify. PII tokenized at the model boundary so Anthropic, OpenAI, or any other provider never sees raw client data — only structural placeholders. Right-to- erasure is a single-row delete.
Frequently asked
Questions financial advisors ask before they trust a tool.
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How does Folden handle household financial data?
PII tokenization at the LLM boundary. Names, balances, account numbers, employer plans — replaced with stable tokens before any text reaches the LLM. The model reasons over structure; un-tokenization happens server-side using a token map sealed in your vault. Anthropic, OpenAI, or any other provider never sees raw household data.
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Does Folden produce compliant IPSs and suitability memos?
Folden produces the artifact in your structure. Compliance fit is yours — the same way you check your own work today. Folden is the drafter; you remain the fiduciary. Every clause, every recommendation, every figure passes your eye before it leaves the platform.
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How does Folden learn my house rules?
From your edits. Drop one finished IPS or suitability memo and Folden absorbs structure and language. Every refinement you make to a future draft becomes a captured pattern, scoped to whether it's a one-off, conditional (this client tier, this account type), or a permanent house rule.
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How is Folden different from generic AI document tools?
Generic tools chat or autocomplete. Folden is artifact-shaped: the deliverable is the workspace, every edit is a learning signal, and your private patterns library is the asset that compounds across every household you serve.
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Is my data encrypted under my own key?
Yes. AWS KMS generates a per-user data key at first use, encrypted by a master key that never leaves AWS HSMs. Database compromise alone reveals nothing. Right-to-erasure is a single-row delete that makes every ciphertext permanently unrecoverable.