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Recommended AI stacks by firm size

Editorial picks for solo / pod / established RIA / enterprise. Use as starting points and substitute based on whether you're on Google Workspace or M365, your compliance posture on recordings, and whether you're investing in advanced-planning revenue.

Solo advisor (1 advisor, no support staff)

You're billing per-hour or per-client and every $20/mo decision matters. You want AI that compounds your time, not AI that adds another bill you have to justify.

Target budget: ~$50-80/mo

Core stack — ~$40/mo

Optional add-ons

Where to splurge

Claude Pro — the writing daily-driver is the highest-ROI tool for a solo. If you can only pay for one AI subscription this is it.

Where to economize

Skip the vertical FA-AI tools (Jump, Zocks, FP Alpha) until you're billing $300K+/yr. The free tier of Reclaim is enough for a solo calendar; Otter Pro is enough for client meetings under 20/month.

Pod (2-5 advisors, shared admin)

Small RIA growing into multi-advisor. You need shared visibility into client meetings, consistent voice across advisors, and one place where all the AI-generated notes land. Per-user spend is now a real budget line.

Target budget: ~$80-150/user/mo

Core stack — ~$134/mo

Optional add-ons

Where to splurge

Vertical AI scribe (Zocks or Jump). At this size, the per-meeting time savings compound across multiple advisors and the CRM sync removes a source of friction that scales badly. Zocks shown for the no-recording stance; Jump if your compliance is recording-comfortable.

Where to economize

Skip FP Alpha until at least one advisor is actively pursuing advanced-planning revenue (tax/estate/insurance gap-finding). Otter is fine for internal team meetings; reserve the vertical scribe for client-facing.

Established RIA (5-25 advisors, dedicated ops)

Multi-advisor firm with admin overhead, compliance attention, and revenue diversification ambitions. You're investing in tools that drive new advisory engagements and that present a polished firm-facing experience.

Target budget: ~$150-250/user/mo

Core stack — ~$314/mo

Optional add-ons

Where to splurge

Advanced-planning tools (FP Alpha + Catchlight) — they create new advisory-revenue streams and the per-advisor ROI is provable in 1-2 quarters. Jump's Grow product is worth the upgrade for visibility into what differentiates your top performers.

Where to economize

n8n self-hosted instead of Zapier Company tier if you have an internal IT-capable advisor; saves $80+/mo and unlocks more complex automations. Descript can be shared across advisors (one license) since not everyone produces client video weekly.

Enterprise (25+ advisors, IT + compliance teams)

Multi-office firm with dedicated procurement, compliance, and IT functions. SSO/SCIM, audit logs, data-residency, and master service agreements are non-negotiable. Per-user cost is less important than predictability and admin tooling.

Target budget: $200+/user/mo (with enterprise add-ons)

Core stack — ~$1231/mo

Optional add-ons

Where to splurge

Enterprise tiers of the daily-drivers (Claude, Copilot, Jump). At this size, the SSO/SCIM/audit-log capabilities matter more than the marginal monthly cost difference. n8n at Business tier is the automation backbone that connects the rest of the stack.

Where to economize

Negotiate volume pricing on FP Alpha and Catchlight before committing — both vendors offer firm-wide licenses at meaningful discounts vs. per-advisor pricing. Don't pay Otter Enterprise unless you specifically need OtterPilot for Sales (Jump or Zocks already handle the meeting workflow better for advisor work).

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