The AI-Native Operating Platform for Wealth Management
One platform runs the whole business — AI, growth, marketing, operations, trading, compliance, communications, planning, billing, and the client experience. The platform is free — Advisors and Firms keep 100% of what they earn.
Led by Executive Chairman, Dan Arnold, former President & CEO of LPL Financial · Founder & CEO, Steven Woods, 17yrs as a Financial Advisor and Architect of Stirling ONE · CTO, Constantine Gavalas, former Global Head of Technology at State Street — meet the whole team
The thesis
One Platform. One Login. Zero Expenses.
We built Stirling ONE — an AI-native operating platform that runs a wealth-management business end to end. It Grows the Book: prospecting, marketing, and CRM. It Serves the Clients: financial planning, portfolio management and trading, rebalancing and tax overlays. It Runs the Practice: onboarding, performance reporting, billing, operations, and firm administration — with compliance surveillance woven through every workflow, and the client portal and mobile apps your clients live in. One platform, one login, replacing every tool an individual advisor or an entire practice would otherwise assemble piece by piece. For advisors, that means keeping 100% of your revenue instead of paying for infrastructure through a grid. For RIAs, IBDs, and aggregators, it means retiring a stack of per-seat licenses — and much of the middle and back office those systems require. And you choose how to run it: under Stirlingshire’s dual-registered firm with the compliance program included, or under your own ADV. Either way, the platform is free.
Who runs on Stirlingshire
Built for every way advice gets delivered.
IARs and RRs, RIAs, IBDs, and aggregators all run on the same chassis — the difference is how much of your operation it carries.
IARs & RRs
A true 100% payout — no platform fees, desk costs, registration charges, or E&O fees
Dual registration under one roof: SEC-registered RIA + FINRA member broker-dealer — advisory and commission business on the same chassis
Every line below is a native capability — anywhere else, each one is a per-seat license, an integration project, or middle- and back-office headcount. AI is wired through all of it, with trades executed only after human approval.
It Grows the Book
Stirling ONE prospecting — compliant cold-outbound + digital presence
Relationship intelligence across the whole book
Next-Best-Action growth prompts
Referral pipeline with conversion tracking
Public booking & digital onboarding
Client AI hub — a client experience that differentiates
It Serves the Clients
Portfolio management & trading through Apex Clearing
Market data, research & screening — 10,000+ AI-scored symbols
AI rebalancing & direct indexing
Automated tax-loss harvesting
AI financial planning
Stirling AI copilot — research to human-approved trade proposals
Deep research on demand
Performance reporting & TWR analytics
Client portal & native mobile apps
It Runs the Practice
Account opening in about 30 seconds per household
Billing & fee operations
Compliance surveillance & trade review
Pretrade compliance & suitability checks
Supervision & complete audit trails
Next-Best-Action engine across the book
How Stirling ONE compares
One Login. Your Entire Stack. Free.
Capabilities as published by each vendor as of August 21, 2026 — including the things they do well. The pattern the table shows: the industry sells point solutions — an AI assistant, a custodian, a CRM, a prospecting engine — and whichever slice one covers, the rest of the stack is still yours to assemble. Stirlingshire and Stirling ONE are the whole stack behind one login, free either way you run it.
✓ Shipped✗ No — per the vendor’s own docs— Not publicly documented◌ Announced / waitlist — not GA◐ Partial / adjacent capabilityn/a Category does not apply
Capability
Stirlingshire + Stirling ONE
Altruist + Hazel (combined)
Jump
Zocks
Slant
FINNY
What it is
Operating platform + firm: Stirling ONE, the AI-native operating platform (free), embedded at the custodial layer — live at Apex Clearing today, all major custodians in flight, so it will meet you at the custodian you already use. Run it under Stirlingshire's dual-registered firm (SEC RIA + FINRA member BD) or under your own ADV
Custodian + AI stack: Altruist (self-clearing custodian; free advisor software) + Hazel (AI platform, sold separately) — bring your own RIA, or affiliate with Altruist Advisors, Altruist's 1099-IAR corporate RIA (beta since May 2026; broad launch slated fall 2026)
AI assistant platform for advisors — meeting notetaker at the core, plus 'AI Associate', email assistant, and onboarding workflows — layered on the existing stack (40+ two-way integrations)
AI meeting and client-intelligence assistant (5,000+ firms; Ameritas, Carson, Kestra, Osaic)
AI-native CRM for financial advisors (by Pageport, Inc.) — positions as a Wealthbox/Redtail replacement
AI prospecting & growth-marketing platform — 'the AI growth officer for financial advisors' (YC S24)
Published pricing (as of Aug 21, 2026)
$0 — the platform is free either way; advisors who join the firm keep 100% of production; firms may run Stirling ONE under their own ADV at no platform cost
Custody software free with custody; Hazel $60/seat/mo ($150 with Tax Planning; $50/$125 annual; Enterprise custom); optional Altruist One premium 0.01%/mo per household ($1/account/mo minimum); your own compliance, CRM, and planning licenses extra — unless affiliating with Altruist Advisors (beta; broad launch fall 2026), which bundles compliance operations — Altruist Advisors (corporate-RIA affiliation) bills clients and pays the advisor a revenue percentage whose grid is not yet published as of Aug 21, 2026
$100/advisor/mo (Meet); +$50 Onboard; +$50 Grow; annual discounts up to 20%
Essentials $67 / Professional $117 / Ultimate $184 per user/mo billed annually ($80/$140/$220 month-to-month); enterprise custom
$150/seat/mo, billed annually; single plan + Contact Sales
'Pay As You Grow' (Aug 17, 2026): $50/mo/advisor, no minimum, plus a 20 bps success fee (tiering to 12.5 bps at higher volumes) on assets from FINNY-sourced clients for as long as the client stays; existing customers may keep legacy flat plans ($6K/$12K per year)
Stirlingshire + Stirling ONE · AI Q&A across the client book: Copilot over the live system of record: custody, trading, planning, CRM
Altruist + Hazel (combined) · AI Q&A across the client book: Ask Hazel over meetings, email, CRM, documents; real-time Altruist custodial data (read-only)
Zocks · AI Q&A across the client book: 'Ask Anything' + cross-client queries across meeting notes, emails, CRM, documents, and connected planning/portfolio data
FINNY · AI Q&A across the client book: Not publicly documented — closest is enrichment/analysis of the existing book for growth signals, not a Q&A copilot
Stirlingshire + Stirling ONE · Phone system & call AI: Built-in softphone: live transcription, AI coaching, post-call summaries, STIR/SHAKEN
Jump · Phone system & call AI: Not a phone system — captures phone calls via VOIP integrations (Vonage, Dialpad, RingCentral, Intulse) with searchable transcripts and AI summaries
Zocks · Phone system & call AI: Not a phone system (no dialer/VOIP) — AI captures notes from any phone call (mobile, landline, VoIP/UCaaS; RingCentral, Teams Phone, GoTo Connect) with summaries, transcripts, follow-ups
Slant · Phone system & call AI: Not a phone system — vendor docs: phone integration syncs SMS messages, call logs, and recordings into the CRM, plus SMS templates; no native dialer or call AI in published materials
FINNY · Phone system & call AI: Outbound AI ringless voicemails only
Zocks · Tax analysis & what-if scenarios (native): Not native — bi-directional Holistiplan integration brings tax analysis and scenario planning (income, liability, rates, capital gains) into meetings and email
Slant · Tax analysis & what-if scenarios (native): Not publicly documented — tax surface is intake-form templates (vendor's 'Advanced Tax Planning' template screens prospects for a 351 exchange fit); no tax-analysis engine in published materials
Stirlingshire + Stirling ONE · Financial planning — Monte Carlo, estate & trust (native, GA): Shipped: retirement projections, Monte Carlo, estate & trust modeling
Altruist + Hazel (combined) · Financial planning — Monte Carlo, estate & trust (native, GA): Not native/GA — Hazel financial-planning agent is waitlisted (vendor page: coming soon as of Aug 21, 2026; general launch announced for Aug 2026); Altruist routes planning to eMoney, MoneyGuidePro, RightCapital, and IncomeLab integrations
Jump · Financial planning — Monte Carlo, estate & trust (native, GA): Not native — proposes data updates into eMoney / RightCapital for advisor approval
Zocks · Financial planning — Monte Carlo, estate & trust (native, GA): Not native — builds/updates plans via eMoney (370+ fields), RightCapital, and Conquest; vendor: meeting to proposed plan in under 10 minutes
Altruist + Hazel (combined) · Rebalancing & tax-loss harvesting — executed: Yes — on Altruist custody: automated drift/event rebalancing with Review & Release approval; automated TLH and tax-sensitive rebalancing at no added cost on direct-index/model strategies. Hazel itself is read-only (vendor docs: can only read data, cannot execute trades or transfers)
Jump · Rebalancing & tax-loss harvesting — executed: Not offered per published materials — actions cover CRM records, communications, scheduling
Slant · Rebalancing & tax-loss harvesting — executed: Not offered per published materials — custodian feeds are read-only data syncs (Schwab delivers daily data files per its provider listing); no trading, rebalancing, or TLH capability documented
FINNY · Rebalancing & tax-loss harvesting — executed: Not publicly documented — growth platform; trade press on its pricing model notes it requires 'no custody changes and no alteration to how advisors currently operate' (FinTech Global, Aug 2026)
Stirlingshire + Stirling ONE · Trading & order execution: Direct order routing via Apex Clearing; approval on every trade
Altruist + Hazel (combined) · Trading & order execution: Yes — Altruist is a self-clearing custodian: commission-free equities/ETFs; options $0.50/contract plus $0.04/contract regulatory & OCC clearing fee (per-contract fee waived on online buy-to-close at ≤ $0.50); fixed income traded on-platform with published per-bond/transaction fees on the standard schedule ($0 under Altruist One). Hazel initiates nothing (read-only; in-Hazel actions announced as a future capability)
Jump · Trading & order execution: Not offered per published materials; account opening = AI paperwork prefill, advisor submits
Zocks · Trading & order execution: Not publicly documented — Zocks Forms prepares account-opening paperwork; no order routing or execution
Jump · Prospecting & outbound marketing: 'Grow' surfaces referrals and signals from the existing book; no cold prospecting
Zocks · Prospecting & outbound marketing: Not publicly documented as prospecting — vendor's 'client acquisition' tooling accelerates prospect conversion and onboarding, not lead generation
Altruist + Hazel (combined) · CRM: Not a CRM — syncs with Salesforce, Wealthbox, Redtail
Jump · CRM: Not a CRM — integrates Redtail, Wealthbox, Salesforce, HubSpot
Zocks · CRM: Not a CRM — deep two-way sync with Salesforce, Wealthbox, Redtail, HubSpot (40+ integrations)
FINNY · CRM: Not a full CRM — offers a 'CRM-lite' pipeline hub for leads and integrates with your existing CRM
Altruist + Hazel (combined) · Client-facing AI: Altruist client portal + client mobile app (reporting, statements, money movement) — no client-facing AI documented; Hazel is built for advisors and firm staff (vendor FAQ notes even Hazel's client profiles are internal-only, not client-visible)
Jump · Client-facing AI: Advisor-facing assistant; clients interact with AI intake forms and document upload — no client-facing AI portal or chat documented
Zocks · Client-facing AI: No client-facing AI publicly documented — product is built for advisors and staff
Slant · Client-facing AI: Not publicly documented as client-facing — clients interact with AI-built intake forms and AI-drafted emails; no interactive client-facing AI assistant appears in published materials
FINNY · Client-facing AI: Prospect-facing only — AI-drafted outreach in the advisor's voice, sent with advisor approval or advisor-chosen autopilot; no interactive client AI
Altruist + Hazel (combined) · Custody, clearing & account opening: Yes — Altruist custody: 30+ account types, paperwork-free digital ACATs, batch openings; high-yield cash, SBLOC, fully-paid lending; margin loans rolling out (vendor page live; press: fully available Sept 2026)
Jump · Custody, clearing & account opening: Not a custodian — works alongside yours (Schwab custodial data; Orion/Black Diamond portfolio feeds); Onboard add-on prefills account-opening paperwork, advisor reviews and submits
Stirlingshire + Stirling ONE · Compliance program included: Two modes: join Stirlingshire and the CCO-led compliance program is included; run under your own ADV and your program operates on the platform's built-in surveillance, suitability, and audit tooling
Altruist + Hazel (combined) · Compliance program included: Your RIA's compliance program remains yours today (third-party integrations); Altruist Advisors — a 1099-IAR corporate RIA with compliance operations, trade oversight, and group E&O handled — in live beta since May 2026, broad launch slated fall 2026
Stirlingshire + Stirling ONE · Self-directed trading for clients: Client self-directed brokerage tier — zero-commission equities/ETFs in the same portal and mobile apps, with AI trade guidance behind step-up authentication
Altruist + Hazel (combined) · Self-directed trading for clients: Not publicly documented — the Altruist client portal and mobile app cover reporting, statements, and money movement for advisor-managed accounts
Stirlingshire + Stirling ONE · Institutional execution algos: Five execution strategies — VWAP, TWAP, POV, implementation shortfall, passive limit — with direct order routing via Apex Clearing
Altruist + Hazel (combined) · Institutional execution algos: Not publicly documented — published trading surface is commission-free routing plus rebalancer-generated orders with Review & Release
Stirlingshire + Stirling ONE · Commission (brokerage) business: FINRA member broker-dealer in all states — advisory and commission business on one chassis, both under the 100% payout
Altruist + Hazel (combined) · Commission (brokerage) business: No — vendor positions itself as built exclusively for RIAs (fee-based); Altruist Financial LLC is the clearing/custody BD, not a rep commission channel
Stirlingshire + Stirling ONE · Research & analytics desk: Screeners across 10,000+ AI-scored symbols, multi-factor quant models, backtesting, EDGAR tools, deep research on demand
Altruist + Hazel (combined) · Research & analytics desk: Not publicly documented — risk and portfolio analytics are routed to third-party integrations (Kwanti, Nitrogen, YourStake)
FINNY · Research & analytics desk: Growth analytics only — prospect database and F-Score matching, not investment research
Comparison as of August 21, 2026, based on publicly available vendor materials (product pages, documentation, pricing pages, release notes, press releases). Capabilities and pricing change; verify with each vendor. Row definitions: “executed” means the product itself can carry out the action in accounts, subject to human approval — analysis, suggestions, or data hand-offs to other software do not count; “native” means shipped inside the product, not via integration; “Not publicly documented” means the vendor’s published materials neither claim nor describe the capability as of the date above — it is not an assertion the capability is absent. If you represent one of the companies listed and believe any entry is inaccurate or outdated, contact [email protected] — we review and correct promptly.
Hazel and Altruist are trademarks of Altruist Corp. Jump is a trademark of Jump AI, Inc. Zocks is a trademark of Zocks, Inc. Slant is a trademark of Pageport, Inc. FINNY is a trademark of FINNY AI Inc. All other marks belong to their respective owners. Stirlingshire is not affiliated with, sponsored by, or endorsed by any of these companies, and none of them has endorsed or participated in this comparison.
Do the math
The forgivable loan looks big — till it’s not.
The traditional recruiting deal fronts about a year of revenue, forgiven over ten years — and every forgiven dollar is taxed as ordinary income while the grid pays out around 75 cents on the dollar. Compare that with keeping 100% of revenue on Stirlingshire. Run it for your own book — or run it for one representative producer and multiply across a rep force to see what platform economics mean for a firm. Adjust the assumptions to match.
Traditional · 10-yr$7,502,423Includes the $1,000,000 loan · 75% net payout
Stirlingshire advantage+$1,820,808Pulls ahead in year 5
In today’s dollars (every cash flow — loans included — invested at the 4% market return): $7,668,274 at Stirlingshire vs $6,322,638 on the traditional deal — +$1,345,636. Even with the full traditional loan compounding to $1,423,312 by year 10, Stirlingshire pulls ahead in year 5.
The forgivable loan is real money — it lands in year 1 and is not taxed when received. But every year of the term, $100,000 of it is forgiven and taxed as ordinary income: $400,000 of extra tax over 10 years on cash you were paid up front. Keep the whole grid instead, and the math takes care of itself.
Take it with you
Get this exact scenario as a one-page PDF — assumptions, year-by-year math, and the breakeven. Tell us who you are and download it or have it emailed to you.
Name, phone, and email are required to email or download the PDF.
Illustrative estimates only — not tax, legal, or investment advice. Assumes the full forgiveness term is served; leaving early typically requires repaying the unforgiven balance. Actual payouts, fees, loan structures, and tax treatment vary by firm and by advisor; consult your tax professional.
Leadership & strategic team
Backed by decades at the top of the industry.
Stirlingshire is led by an executive team with deep experience across advisory, technology, research, compliance, and growth.
Dan Arnold
Executive Chairman & Strategic Leadership
Former President & CEO of LPL Financial.
Steven Woods
Founder & CEO
17 years in asset management. Architect of Stirling ONE, the firm's AI-native operating platform.
Constantine Gavalas
Chief Technology Officer
Former Global Head of Technology at State Street, and former Director at The London Stock Exchange.
Candice Gilman
Chief Compliance Officer
Former Chief Compliance Officer of SoFi Wealth — built its compliance program from the ground up for the multibillion-dollar online RIA.
David Lundgren
Chief Market Strategist
CMT Board Member. Former Director of Technical Research at Wellington Management; veteran portfolio manager.
Nicole Cox
Chief of Staff & CMO
20+ years in marketing & communications; drives strategic growth and firm-wide operational alignment across Stirlingshire.
Board of Directors & Advisory Board
Board of Directors
Scott Friedman
Founding team, Robinhood
Former President & CCO of Robinhood Financial and Securities; 25+ years in compliance & operations.
Ash Kalb
Co-Founder & President, Fulcra Dynamics
J.D., Columbia Law & ex-Skadden M&A. Co-founder of Katalys and HUMAN (unicorn); board member of Gemini.
Advisory Board
Sir Conor Burns
Former UK MP · UK Trade Envoy
14 years in the House of Commons; regulatory, political, and trade experience.
Dr. Andrew White
Former Director of Executive Education, Oxford Saïd
Former Director of Executive Education at the University of Oxford's Saïd Business School.
How you join
Two tracks. One platform.
Individual advisors join directly. Firms — RIAs, IBDs, and aggregators — start with a transition conversation. Both end up in the same place: the whole business behind one login.
For advisors
Experienced Advisors with a minimum of $100MM* in portable AUM
Equities, options, ETFs, and mutual funds focus (heavy annuity or insurance books are not a fit)
Remote — U.S. or global. The New York office is always open to you
Your book stays yours — with templates and support for communicating the move to clients
Entrepreneurial, client-first, and self-motivated — independent, yet collaborative
We’ll be at Future Proof in Huntington Beach this September — book a demo and see the whole platform live.
Advisors with $100MM+*in portable AUM can start the conversation today. Firms — RIAs, IBDs, and Aggregators — can talk to us about what replacing their tech stack would look like and the impact on their business and their P&L.
Stirlingshire RIA LLC is an investment adviser registered with the U.S. SEC. Stirlingshire BD LLC is a FINRA member broker-dealer in all states. Clearing and custody provided by APEX Clearing. For informational purposes only.
