AUM-based income. Compliance requirements. Audit-ready records. The advisor financial OS is built for the specific financial structure of independent practice — not for the wirehouse model.
Sequence matters. Each stage unlocks the next. Skipping ahead creates problems that are expensive to fix later.
Every tool mapped to its job. Affiliate disclosure — some links earn commissions. Doesn't affect recommendations.
| Layer | Tool | Why this one | Cost | Hub |
|---|---|---|---|---|
| 🏦 Banking | Mercury's audit trail, accountant access, and API integrations make it the right banking layer for advisors who need clean records for compliance review and CPA handoff. | Free | Hub → | |
| 📊 Accounting | CPA-ready reporting, multi-entity support for advisory and holding structures, and clean audit trails. QuickBooks is the right accounting layer for registered advisors. | From $30/mo | Hub → | |
| 💳 Credit | Advisors with AUM-based income often find their business credit underbuilt relative to their personal financial sophistication. Nav fixes that systematically. | Free → $49/mo | Hub → | |
| 💼 Card | 4× rewards on top two categories — typically travel and software for advisors with client meetings and practice management tools. | See terms | Hub → | |
| 💰 Funding | Practice acquisition, office buildout, or technology investment — Lendio matches advisors with competitive business financing options. | Variable | Hub → |
These are the patterns that cause financial pain later. Most are preventable in the first 90 days.
What to do, in what order. Month by month.