What FiSpoke does

FiSpoke Inc. is a private WealthTech company that operates a white-label SaaS platform delivering private banking and lending capabilities to independent financial advisors, RIAs, ensemble practices, and family offices. Founded in 2018 by Robert Clare (CEO) and Nathan Berk (CTO), the company is headquartered in West Melbourne, Florida, with stated intent to serve North American and international markets. The platform lets advisors offer seven core products under their own brand: cash management (HYSAs up to 3.56% APY with $23M extended FDIC insurance), securities-backed lending, real estate lending (mortgage, refinance, equity, with closing in as little as 21 days), advisor financing ($4-25mm loans at 7-8% fixed rates for M&A and succession), branded credit cards, custom credit, and life insurance and life settlement solutions. The platform integrates with Wealthbox CRM for client data pre-fill and has achieved SOC 2 Type 2 certification (January 2026) on top of its Type 1 attestation (October 2025).

Underlying banking products are delivered through partnerships with FDIC-insured institutions including Bell Bank ($14.5B+ assets), Academy Bank ($2.9B assets, 78 locations), and mortgage lender Sage Home Loans ($5.5B+ cumulative funded loan volume across 18,000+ borrowers). The platform architecture is cloud-based, advisor-facing, and designed to integrate without requiring custodians to change. A strategic collaboration with Broadridge Financial Solutions (announced June 2026) extends FiSpoke's securities-based lending infrastructure reach to broker-dealers and wealth platforms and lays groundwork for AI and tokenization development.

FiSpoke monetizes through a combination of subscription/SaaS economics, basis-point revenue sharing on client HYSA average daily balances, transaction fees on banking products, and interest income on advisor financing loans. Advisors can elect to receive monthly basis-point economics or pass the revenue to clients for a pure fee-only model. Distribution combines direct enterprise sales targeting RIAs with partner-channel distribution through banking institutions and the Wealthbox technology integration. The advisory and board composition—drawing senior figures from Wells Fargo Advisors, Goldman Sachs Global Private Bank, Bell Bank, and Coventry—provides institutional credibility. Revenue, customer counts, and funding amounts remain undisclosed in available sources.

Name

FiSpoke

Legal name

Fispoke Inc.

Website

https://fispoke.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

FiSpoke is a WealthTech company that operates a white-label platform enabling independent financial advisors and RIAs to offer private banking products—HYSAs, securities-backed lending, mortgages, credit cards, and advisor M&A financing—under their own brand through partner banks.

Ownership category

akta.pro rank

Product category

WealthTech / Advisor Banking Platform

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

akta.pro secondary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Wealth management platform
• Private banking solutions
• Securities-backed lending
• Advisor financing services
• White-label banking platform

Headquarters

HQ city

Melbourne

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform/SaaS Revenue: Revenue generated from providing the white-label banking platform to RIAs and independent advisors. Advisors can choose to receive monthly basis-point revenue on clients' HYSA average daily balances or pass economics directly to clients for fee-only experience.
2. Revenue Sharing on Banking Products: Fispoke earns revenue through partnerships with banking institutions. Advisors receive basis-point economics on clients' HYSA average daily balances and other eligible products, with Fispoke retaining a portion of the revenue sharing arrangement.
3. Advisor Financing Loans: Loan products for advisor M&A, succession planning, and business expansion. Preferred loan amounts of $4-25mm with fixed rates typically between 7-8%, generating interest income on the lending side.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

FiSpoke operates a cloud-based, white-label WealthTech platform that enables independent financial advisors, RIAs, multi-advisor firms, and family offices to offer private banking products—including high-yield savings accounts, securities- and insurance-backed lending, mortgages, advisor-branded credit cards, advisor M&A and succession financing, custom credit, and life insurance/life settlements—directly to their clients without obtaining a bank charter or changing custodians. The platform aggregates partner bank and lender infrastructure (Academy Bank, Bell Bank, Sage Home Loans, Broadridge) behind a unified advisor-facing interface integrated with CRM systems such as Wealthbox.

Product overview

FiSpoke is a unified WealthTech platform providing independent financial advisors and RIAs with private banking capabilities delivered as a white-labeled solution. The platform integrates seven core banking products—Advisor Financing, Cash Management (HYSA), Credit Cards, Custom Credit, Insurance Solutions, Real Estate Lending, and Securities-Backed Lending—into a single advisor-facing digital interface. These products are offered through partnerships with FDIC-insured banks (Academy Bank, Bell Bank) and lending partners (Sage Home Loans), enabling advisors to provide wirehouse-level banking services without becoming a bank themselves. The platform competes on integration, revenue flexibility, and white-label capabilities, allowing advisors to pass economics directly to clients or retain basis-point revenue.

Differentiator

Problem solved

Functional benefit

Products and services

• Advisor Financing Flexible financing solutions for RIA mergers and acquisitions, shareholder dividend distributions, and business succession planning, with loan amounts typically $4-25 million, 10-year repayment, 7-year maturity, and fixed rates typically between 7-8%.
• Cash Management High-yield savings accounts (HYSA) for advisor clients, offering APYs up to 3.56%, $23 million extended FDIC insurance coverage through a deposit management program, no minimum balance requirements, and external account linking.
• Credit Cards Advisor-branded credit cards with customizable branding, premium card options, and rewards programs including cashback and travel perks, designed to deepen client loyalty to the advisory firm.
• Custom Credit Tailored lending solutions for clients with borrowing needs beyond standard bank products, supporting personal, business, real estate, and complex credit scenarios through relationship-driven service.
• Insurance Solutions Life insurance and life settlement solutions enabling clients to access liquidity from policy cash values, monetize insurance assets as an investment tool, and reinvest funds into portfolio growth.
• Real Estate Lending Comprehensive mortgage and property financing including purchase mortgages, refinancing, home equity solutions, and commercial lending, with rates below national average, a 3-minute digital application, closing in as little as 21 days, and a guaranteed on-time closing backed by $500 compensation if missed.
• Securities-Backed Lending Securities- and insurance-backed lines of credit allowing clients to unlock liquidity without selling investments, using portfolio holdings or insurance policies as collateral while maintaining market exposure.

Quantifiable outcome

• Up to 3.56% APY on high-yield savings (vs national average ~0.5%)
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core, major and advisory.

• Broadridge Financial SolutionscoreStrategic or Co-development Partner · 17 June 2026Strategic collaboration combining Broadridge's securities-based lending infrastructure with Fispoke's digital platform to expand lending and private banking tools for RIAs, independent advisors, broker-dealers, and wealth platforms. Creates foundation for future AI and tokenization development in lending workflows.
• WealthboxcoreTechnology or Integration · 9 October 2025CRM integration allowing advisors to pre-fill client deposit and lending account applications using Wealthbox client data. Enables seamless client onboarding workflow with data synchronization between Fispoke's platform and Wealthbox CRM.
• Academy BankcoreChannel Partner/ Reseller/ DistributorAcademy Bank is a nationwide financial institution with $2.9B in assets providing banking products through Fispoke's platform. Recognized among America's Most Innovative Companies (2025). Has funded more than $50 million in RIA loans since 2022. RIA-friendly with no competing wealth management services.
• Bell BankcoreChannel Partner/ Reseller/ DistributorOne of the nation's largest family- and employee-owned banks with over $14.5B in total assets. Powers Fispoke's core offerings including high-yield savings accounts, advisor financing, and securities-based lending. Privately owned allowing long-term decision-making aligned with advisor needs.
• Sage Home LoansmajorChannel Partner/ Reseller/ DistributorDirect digital mortgage lender headquartered in Fort Mill, SC. Has helped more than 18,000 borrowers with over $5.5B in funded loan volume. Provides competitive mortgage rates and digitally optimized borrower experience integrated into Fispoke's platform for real estate lending.
• Jim Hays (Board Member)advisoryOthersPresident & CEO of Wells Fargo Advisors, and former Head of Merrill Lynch Private Banking & Investment Group. Serves as board member providing strategic guidance on wealth management industry dynamics.
• Whit Magruder (Board Member)advisoryOthersCo-founder and leader of the Global Private Bank at Goldman Sachs. Serves as board member providing expertise on private banking strategy and operations.
• Reid Buerger (Board Member)advisoryOthersChief Executive Officer of Coventry. Serves as board member providing strategic growth perspective.
• Laine Brantner (Board Member)advisoryOthersExecutive Vice President and Chief Operating Officer of Bell Bank. Board member providing banking industry expertise and partnership perspective.
• Marc Butler (Board Member)advisoryOthersCEO and COO across Wealth Management and Banking industries. Board member providing operational expertise in wealth management and banking.
• Terry Mullen (Board Advisor)advisoryOthersStrategic Growth Advisor serving on Fispoke's board, providing guidance on growth strategy and market expansion.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Others

• Wealthbox: Wealthbox is a CRM used by thousands of independent advisors. Fispoke has a direct Wealthbox integration and references Wealthbox as a partner, making Wealthbox a complementary ecosystem player rather than a direct competitor.
• IntraFi Network (IntraFi): IntraFi operates the CDARS and IntraFi Cash Service networks providing extended FDIC insurance across multiple banks. Fispoke uses an extended FDIC deposit network for its $23M coverage offering, positioning IntraFi as an infrastructure layer beneath Fispoke's solution.

Emerging players

• Sanctuary Wealth: Sanctuary Wealth is an RIA platform supporting independent advisor firms with capital, technology, and banking-style services. It competes for the multi-advisor ensemble segment Fispoke targets.
• Nitrogen (formerly Riskalyze): Nitrogen is a risk-alignment and financial planning platform for RIAs. It is an emerging player shaping the modern RIA tech stack and competes for advisor budget and workflow share against Fispoke's broader offering.
• AdvicePay: AdvicePay enables fee-only advisors to bill clients directly. While narrower than Fispoke, it targets the same fee-only RIA segment with a complementary monetization stack and intersects with Fispoke's revenue-flexibility, fee-billing angle.

Broad incumbents

• Black Diamond (SS&C): Black Diamond, owned by SS&C, is a portfolio management and reporting platform serving independent advisors and family offices. It competes indirectly with Fispoke by anchoring workflow at the portfolio reporting layer rather than at the banking/lending relationship layer.
• Orion Advisor Tech: Orion is a large incumbent in RIA technology with portfolio accounting, performance reporting, and CRM used by thousands of advisory firms. It plays the broader platform game that Fispoke addresses at the banking/lending layer, making it a meaningful adjacent competitor.

Direct peers

• Altruist: Altruist is a custodian-plus-tech platform built specifically for independent RIAs, offering integrated cash management, bill pay, and client portals. Fispoke competes head-on for the same indie RIA buyer with a similar value proposition of layering banking infrastructure onto an advisory practice.
• Advyzon: Advyzon delivers an all-in-one platform for RIAs combining CRM, portfolio management, reporting, and a custodial offering. Its bundled cash management and client portal overlap directly with Fispoke's white-label banking and advisor-facing interface.
• AdvisorEngine: AdvisorEngine provides a customizable wealth management platform for RIAs including CRM, planning, portfolio management, and client portal. It targets the same mid-market RIA segment and increasingly bundles banking-adjacent integrations, making it a head-to-head technology competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fispoke

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 FiSpoke