RIA / Asset-Management Vertical -- Sample Snapshot Hub

RIA portfolio-recommendation AI failed silently. This is the $499 Snapshot that found it.

Casual-glance overview here. Every deeper claim is a click away: full sample report, each cited rule, every chart, every finding — and "how does this help me?" companion pages for each.

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The 4-number quick verdict

Determination

Category C

High-severity drift events

R3 active-fee lane rate

22% → 68%

Days to detect (silent)

45+

What does Category C actually mean? →

What happened in one paragraph

A mid-market RIA's AI portfolio-recommendation engine silently over-routed R3 (age 50-65, mid-net-worth conservative near-retirees) into the active-alpha / high-fee lane. AUM growth and aggregate fee-revenue dashboards stayed normal. The differential was visible only through per-group distributional-shape analysis by an independent verifier. Under SEC Regulation Best Interest and Advisers Act Section 206 fiduciary duty, every affected recommendation is now subject to best-interest review.

Read the full scenario walkthrough →

The three charts (each linked to its own deep-dive)

Chart 1 · Deep dive Rolling mean by client group Where the silent R3 divergence begins. What the eye sees vs what the AUM dashboard reported. Chart 2 · Deep dive Baseline vs recent distribution R3 mass moved RIGHT into the active-alpha / high-fee lane. How to read the shape shift. Chart 3 · Deep dive Allocation-lane rate per client group R3 active-fee rate rose sharply while others held stable. The one pattern SEC exam staff look for.

Regulations applied — each on its own page

Every cited rule has a dedicated subpage with the actual regulatory text, plain-English translation, what the Snapshot shows against it, and a "how does this help me?" benefit companion.

Regulation SEC Regulation Best Interest (17 CFR 240.15l-1) Best-interest recommendation duty. The rule the R3 differential triggers. Regulation Investment Advisers Act §206 Federal fiduciary duty of loyalty + care. Overlapping obligation with Reg BI. Regulation FINRA Rule 2111 -- suitability Customer-specific, quantitative, and reasonable-basis suitability standards for dual-registrants. Regulation SEC Marketing Rule 206(4)-1 AI-generated marketing content is in scope. Active enforcement 2024-2026. Regulation DOL PTE 2020-02 -- rollover fiduciary Investment Advice Fiduciary rule reinstated + strengthened 2025. Rollover recommendations captured. Regulation SEC Form ADV Part 2A -- AI disclosure 2026 amendment adds AI-disclosure specificity. Misstatement = separate §207 exposure. Regulation State Blue Sky laws 46 states with RIA-specific AI-adoption reporting 2025-2027. Parallel state-level enforcement. Regulation CFP Board Code of Ethics 2026 AI-in-planning disclosure standard. Certificant-level discipline risk. Regulation SEC 2026 Exam Priorities Division of Examinations flagged AI + predictive analytics. Elevated review probability. Regulation (shared) NIST AI RMF 1.0 GOVERN / MAP / MEASURE / MANAGE. Voluntary but load-bearing baseline.

Findings + methodology deep dives

Methodology How Category C is derived A / B / C decision logic. Why 8 high-severity events + client-group divergence = C. Methodology Counterparty-question rehearsal The 5-decision reproducibility drill your CCO + outside regulatory counsel will thank you for. Methodology Independent-verifier declaration Why the control plane cannot reside within the entity being regulated.

The full records

Full Snapshot Report (markdown) Executive One-Pager (markdown) Long-form single-page view

$499. Three business days. Your firm's actual Snapshot.

Same structure as this sample. Your firm's data, your AI system, your jurisdictional footprint, your regulatory citations. Below procurement threshold. Report PDF via email.

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