What Wavvest does

Wavvest is an AI-native financial planning platform built for independent registered investment advisors (RIAs), boutique advisory firms, and the high-net-worth and emerging-affluent clients they serve. Founded in 2024 and headquartered in Chicago, the company positions itself as an all-in-one alternative to legacy point solutions, integrating financial planning, tax, estate, insurance, and investment analysis into a single advisor-facing and client-facing system. The primary user is the independent advisor who needs to deliver live, dynamic plans during client meetings rather than static PDF follow-ups.

The core product is Wavvest Planning, an AI-powered engine that generates comprehensive, interactive financial plans in seconds from pre-built AI agents or plain-language descriptions of a client's situation. The platform supports natural-language inputs, extracts data from tax returns and account statements, and produces interactive estate flow visualizations covering structures such as GRATs, SLATs, CRUTs, and ILITs. A real-time scenario modeling layer allows assumptions to update dynamically, with stress-testing against historical market downturns. The technology stack integrates directly with custodian APIs, including Apex Fintech Solutions' AscendOS as well as Schwab, Fidelity, and Pershing for account aggregation, eliminating the manual data entry that legacy tools require. Additional modules include Canvas (estate visualization) and scenario tools such as buying-versus-renting analysis. The architecture is paired with an Advisor Portal (Weave) and a Client Portal for end-investor access.

Wavvest operates a B2B SaaS model on a subscription basis with quote-based pricing tied to advisor firm size and requirements, distributed through direct sales to independent advisors and through a white-label/embedded channel via custodial platform partners. GTM motion combines enterprise field sales to RIAs with an API-first approach, exemplified by the March 2026 Apex Fintech Solutions partnership that embeds Wavvest inside AscendOS. The company raised undisclosed pre-seed funding from Fenway Summer and executives from Meta, Google, and Salesforce, followed by a seed round led by Fenway Summer Ventures. Capital sources and the Apex enterprise relationship indicate strategic investor validation, though the company remains at an early commercial stage with 1–10 employees and a small publicly disclosed customer base.

Name

Wavvest

Legal name

Wavvest

Website

https://wavvest.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Wavvest is an AI-native financial planning platform for independent RIAs and wealth managers. Founded in 2024 in Chicago, it generates comprehensive plans in seconds from natural-language inputs and integrates with Apex, Schwab, Fidelity, and Pershing custodial data.

Ownership category

akta.pro rank

Product category

Financial Planning Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Prepackaged Software (7372), Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward) (FSAAACAJ)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

Keywords

• AI financial planning
• Wealth management platform
• RIA software
• Estate planning tools
• Advisor technology

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Platform Subscription: SaaS platform subscription model providing AI-powered financial planning capabilities to RIAs and wealth management firms. The platform is offered as a white-label integration for custodial partners like Apex, with advisors accessing the tool through existing custodian portals.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Wavvest is an AI-native financial planning platform that enables wealth managers and registered investment advisors (RIAs) to generate comprehensive, interactive financial plans in seconds. The platform unifies planning, investments, estate, insurance, and tax into a single scalable system, connects directly to custodial data via APIs, and supports real-time scenario modeling during client conversations.

Product overview

Wavvest is an AI-native platform for advisors and their clients, positioned as a unified operating system for wealth management. The core offering consists of Wavvest Planning—an AI-powered financial planning engine that generates comprehensive plans in seconds through pre-built AI agents or plain-language input. This core engine integrates with a client portal and advisor portal (Weave). Additional modules include Canvas for interactive estate planning visualizations and scenario modeling tools for financial decisions like home buying versus renting. Wavvest connects technically to custodian platforms including Apex AscendOS via API integration for automated data access and plan generation. The company was founded in 2024, raised undisclosed pre-seed funding from Fenway Summer and executives from Meta, Google, and Salesforce, and operates as a Chicago-based AI-native operating system for independent wealth managers.

Differentiator

Problem solved

Functional benefit

Products and services

• Wavvest Planning AI-powered financial planning engine that generates comprehensive, interactive planning analyses in seconds using pre-built AI agents or natural language inputs, covering tax strategies, estate planning, portfolio recommendations, and retirement planning with real-time scenario modeling. Built for RIAs and wealth managers serving high-net-worth and emerging affluent clients.
• Canvas (Estate Planning Visualization) Interactive estate planning tool within Wavvest Planning that creates visual diagrams showing how assets flow under different death scenarios, helping clients understand complex structures such as GRATs, SLATs, CRUTs, and ILITs through digestible visualizations. Used by financial advisors during client conversations.
• Advisor Portal (Weave) Platform interface for financial advisors to access Wavvest Planning, manage client relationships, and generate AI-powered financial plans. Accessible at weave.wavvest.com.
• Client Portal Client-facing interface allowing investors to access their financial plans, review planning outputs, and collaborate with their advisors. Accessible at client.wavvest.com.
• AI-Powered Financial Planning Assistant (Apex AscendOS Integration) AI-native financial planning assistant integrated with Apex's AscendOS custodial data infrastructure, enabling automated financial plan generation, tax analysis, and portfolio recommendations by pulling real-time client data directly from Apex APIs and eliminating hours of manual data entry.

Quantifiable outcome

• Advisors save 2-3 hours per planning session compared to legacy tools
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature5 records

Partnerships

One partnership is on record.

• Apex Fintech SolutionscoreTechnology or Integration · 4 March 2026Strategic partnership integrating Wavvest's AI-powered financial planning technology with Apex's custodial data infrastructure (AscendOS). The integration enables advisors on Apex's platform to generate comprehensive financial plans including tax strategies, estate analysis, and portfolio recommendations directly from real-time account data. The system currently operates in read-only mode analyzing data, with future development planned to expand to read-write capabilities allowing advisors to approve and automatically execute AI-generated recommendations through Apex's API infrastructure.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• RightCapital: RightCapital is a leading financial planning platform for RIAs, offering goal-based planning, tax analysis, and retirement projections. It is one of the three legacy tools Momentum Wealth Management migrated from and is a direct competitor to Wavvest in AI-assisted advisor planning.
• eMoney Advisor: eMoney is a comprehensive financial planning software suite owned by Fidelity, serving RIAs and broker-dealers with cash-flow, tax, and estate planning tools. It is a direct competitor to Wavvest and one of the named legacy tools the company displaces.
• MoneyGuidePro: MoneyGuidePro (now part of Envestnet) is one of the most widely adopted financial planning applications among RIAs, providing goal-based planning and Monte Carlo simulations. It is a direct competitor and one of the legacy systems Wavvest explicitly replaces.
• Holistiplan: Holistiplan is an AI-powered tax planning platform built specifically for financial advisors, extracting data from client tax returns to surface planning opportunities. It overlaps directly with Wavvest's tax planning and AI-driven document analysis capabilities for RIAs.
• Vanilla: Vanilla is an estate planning platform for advisors that combines interactive visuals, document automation, and design tools (acquired by Envestnet). It directly overlaps with Wavvest's Canvas estate visualization module and serves the same RIA customer base.
• Income Lab: Income Lab provides retirement income and withdrawal-strategy planning software for RIAs, with dynamic modeling of Social Security, spending, and longevity. It is a direct peer in the AI-assisted retirement and scenario-planning category where Wavvest competes.
• Advizr (Orion): Advizr was an AI-driven financial planning tool for advisors before being acquired by Orion Advisor Tech. It is a direct competitor in the AI-powered planning-for-advisors space and now sits inside a broader wealth management platform.

Emerging players

• Conquest Planning: Conquest Planning is an AI-driven financial planning platform for advisors, combining CRM, goal planning, and proposal generation in one workflow. It is an emerging competitor targeting the same modern-RIA segment Wavvest pursues.

Broad incumbents

• Orion Advisor Technology: Orion Advisor Tech is a broad wealth management platform serving RIAs with portfolio accounting, reporting, and planning tools (now including Advizr). It competes with Wavvest as an integrated incumbent in the RIA tech stack.
• Advisor360°: Advisor360° is a unified technology platform for wealth management firms, providing CRM, planning, portfolio management, and reporting in a single SaaS suite. It competes with Wavvest's integrated-platform positioning for mid-to-large RIAs.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/WavvestWealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wavvest