Full sample: 8-layer determination + 3 fix-first items + 3 distributional-shape charts + counterparty-question rehearsal + independent-verifier declaration. Same structure your RIA's actual Snapshot delivers within 3 business days.
High-severity distributional-drift events. Cohort R3 (mid-net-worth conservative) active-fee-lane rate rose 22% -> 68% silently. Your firm's Snapshot uses the same structure -- your data, your AI, your jurisdictional footprint. $499. 3 business days.
Mid-market RIA ($500M-$5B AUM, 500-5,000 client households, dual-registered or state-registered) running an AI portfolio-recommendation engine that scores each client-onboarding intake or quarterly-review and routes to allocation lane:
Silent drift: post-Day 45, Cohort R3 (age 50-65, mid-net-worth $500K-$1M, conservative near-retiree) systematically over-routed to active_alpha_high_fee lane -- R3 active-lane rate 22% → 68% = 46pp cohort-differential that never triggered an alarm on the firm's AUM-monitoring / fee-revenue / compliance dashboards.
Under SEC Regulation Best Interest 17 CFR 240.15l-1, the RIA must recommend the account type + investment strategy that is in the retail customer's best interest. Systematic over-recommendation of high-fee active products to conservative near-retirees — the cohort most protected by Reg BI given finite recovery horizon — is a documented fiduciary breach pattern. Overlapping obligations attach under Investment Advisers Act Section 206 (fiduciary duty), FINRA Rule 2111 (suitability), SEC Marketing Rule 206(4)-1 (if AI-generated marketing was in scope), and DOL PTE 2020-02 (Investment Advice Fiduciary for rollover recommendations, reinstated + strengthened 2025).
| Section | What you get |
|---|---|
| Scope + regulatory framework | Named jurisdictional footprint + Reg BI + Advisers Act 206 + FINRA 2111 + DOL PTE 2020-02 + State Blue Sky + Form ADV Part 2A AI-disclosure |
| Sensor summary | Independent-observer specifics, distinct model family, retention pipeline distinct from your Orion / Envestnet / Black Diamond / Tamarac / Addepar / robo-advisor stack |
| Findings summary | Count of drift events + high/medium severity + cohort-differential flag + first-drift-day |
| Overall determination | Category A / B / C w/ specific meaning + remediation-path recommendation |
| 3 fix-first items | Scoped to YOUR AI surface, YOUR jurisdictional footprint, YOUR next SEC exam cycle + Form ADV amendment |
| Detailed drift events | Every drift event day + type + affected cohort + severity + plain-language detail |
| Counterparty-question rehearsal | 5 sample recommendations from the target-day w/ cryptographic decision-hash reproducibility verification |
| Upgrade paths | Baseline ($2,500 / 5 days) OR Enterprise Attestation ($35-55K / 3-6 weeks board-ready) + $499 Snapshot credit applies |
| Independent-verifier declaration | Signed by Kevin Luddy personally |
| Charts + artifacts | 3 distributional-shape charts + machine-readable JSON + decision-hash lookup table |
Your portfolio-management platform vendor (Orion / Envestnet / Black Diamond / Tamarac / Addepar), your robo-advisor engine (Betterment for Advisors / Wealthfront / SigFig), and your own compliance + IT teams cannot attest their own outputs. Different model family for verification. Different retention pipeline. Different judgment posture.
Big-4 consultancy equivalent for the Enterprise-tier attestation: $200K-$1M+. Same deliverable outcome, delivered at 5-10% of that cost by focusing scope on independent-verifier attestation rather than full advisory-consulting scaffolding.
Full Snapshot Report (markdown) Executive One-Pager (markdown)
Same structure as this sample. Your RIA's data, your AI system, your jurisdictional footprint, your regulatory-framework citations.
Buy your Snapshot — $499