How it works
AI that prepares the meeting and drafts the follow-up. The advisor approves.
Kemen is an agentic platform for independent RIAs and wealth managers. Its agents work in the background over the CRM, custodian data and calendars a firm already runs. They prepare meetings, draft client follow-ups, and watch every household for changes.
Advisors aren't asked to start anything. The agents bring finished drafts, and nothing reaches a client or the CRM until an advisor approves it.
Who it's for
Independent advisory firms with roughly $100M to $1B in assets and 2 to 20 advisors, serving individual and high-net-worth households. They're typically on Wealthbox or Redtail, custodied at Schwab, Fidelity or Altruist, and planning in eMoney or RightCapital.
The problem these firms describe is the same: advisors spend their week assembling information rather than advising. Kitces' research puts meeting preparation alone at about 5.3 hours a week for a typical advisor. That's a figure for the industry, not a Kemen result.
One client review, start to finish
An illustrative household, not a real client. Each step is something Kemen does today.
- 1
The day before
Meeting prep sees the review on the advisor's calendar. It pulls the household's positions from the custodian file, the contact and history from Wealthbox, and any linked held-away accounts. Then it drafts a brief: what changed since the last meeting, allocation against target, idle cash, losses that could be harvested, and questions worth asking. Every figure cites the account or holding it came from.
- 2
Overnight
Review-pack drafter assembles the full review pack. It can be exported to PowerPoint or Excel. If the client was reviewed last month, it skips them and records why.
- 3
Before the day starts
The morning brief lands in the advisor's email, Slack or Teams: the review today, the pack ready to open, and anything else that moved across the book overnight.
- 4
After the meeting
When the firm's notetaker transcript arrives, meeting notes drafts the notes, action items and the follow-up email. If the client said their retirement date moved, it proposes that profile change and quotes their words.
- 5
The advisor reviews
One queue holds everything waiting. The advisor edits and approves, or turns a draft down with a reason the firm keeps. Approved notes go onto the client's Wealthbox contact. The follow-up is emailed to the client from the advisor, and replies go to the advisor's own inbox.
- 6
The weeks after
Outreach keeps watching. If the household's income stops or a regular contribution pauses, it drafts a note to the client and tells the advisor. Nothing is sent until the advisor approves.
What runs on its own, and what waits for an advisor
The advisor stays accountable for the advice, so the line is simple. Agents prepare. Anything that reaches a client or changes the file of record waits for a person.
Runs on its own
- Syncing the CRM, position files, calendars and linked accounts
- Noticing what changed in a household: income stopped, contributions paused, a big move in a holding
- Drafting review packs, meeting briefs, notes and follow-ups
- Telling the advisor a draft is ready, in email, Slack or Teams
- Deciding not to act, and saying why (for example, a client reviewed last month)
Waits for an advisor
- Any email, report or plan that reaches a client
- Any note written to the client's CRM contact
- Changes to a client's profile or goals proposed from a meeting
- Required client documents, such as suitability questionnaires, that an agent pre-filled
Firm controls sit above both. The firm sets rules, such as which documents every client must have and when they expire. Agents check every client against them. The IT admin can switch any agent off, and sees every run without seeing client data. Supervision reviews and signs off on what the agents drafted and what went to clients. The full record is in security and controls.
How Kemen differs from AI meeting notetakers
Meeting assistants such as Jump and Zocks start from the conversation. They capture the meeting and turn it into notes, tasks and CRM updates. They're good at that, and many firms already use one.
Kemen starts from the household's financial data and works between meetings. It decides who needs a review, prepares it, notices when a client's situation changes, and drafts the outreach. A notetaker's transcript is one input it uses after a meeting. Direct connections to Jump, Zocks and Zeplyn are planned, not live.
What Kemen doesn't do
- It isn't a registered investment adviser and doesn't advise your clients on its own. The advice is your firm's.
- It doesn't place trades or move money.
- It doesn't replace your CRM, portfolio accounting or planning software. It works on top of them.
- It doesn't send anything to a client without an advisor's approval.
Kemen is in private beta
We're onboarding a small group of independent advisory firms as pilot partners. Leave your work email and we'll reach out.