Book a Demo CONVERSATIONAL AI · WEALTHTECH & BROKERAGE
Conversational AI for wealthtech: onboarding, portfolio and transfer status, review booking, funding questions. Lumi verifies, resolves, and follows the regulated path — inside Plaid, your stack. It never gives advice.
One demo line · every fintech workflow
Try: “I want to open a business account.”
No signup, no sales rep — just call it.
Take an inbound call from a founder exploring Northwind Pay for their business, understand their company, volume, and use case, explain the account tiers and pricing plainly, and route a qualified lead to the right onboarding specialist.
Thanks for calling Northwind Pay — this is Marcus. How can I help you today?
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Take an inbound call from a founder exploring Northwind Pay for their business, understand their company, volume, and use case, explain the account tiers and pricing plainly, and route a qualified lead to the right onboarding specialist.
+270 moreResolution rate
Always available
Languages
Avg. handle time
Platform integrations
Keep your custodian. Lumi works on top of it.
No rip-and-replace — Lumi layers onto your custodian, clearing firm, document vault, and help desk. 270+ integrations.
StripeAdAdyenChCheckout.comMaMarqetaGaGalileoPlPlaidSuSumsubPePersonaAlAlloyOnOnfido
ZendeskTwilioThe inbound loop
Different investors, one pattern: a document to find, a funding to confirm, a profile to update — arriving at every hour, spiking every tax season, and every one a chance to accidentally cross into advice you must never give.
The tax-season question that floods every brokerage desk in February — an investor who needs the form to file and can't find it. Lumi locates and delivers the document; it never interprets a single line of it for taxes.
A new or returning investor whose ACH or wire hasn't posted and who's worried the money's gone. Lumi reads the funding state and explains the timing — it never advises on what to do with the cash.
A statement or account-value document requested for a lender, an accountant, or a life event — retrieved, verified, and delivered on the spot instead of a two-day ticket.
An ACATS or in-kind transfer question where the investor needs to know the steps and paperwork — walked through the process, never advised on whether to move or what to hold.
A routine profile change that still touches a regulated record — collected, verified, and written back to the right system, with anything that touches an election routed to a human.
The investor who can’t find a 1099 or confirm a funding is one slow reply from a support ticket that never closes — while your licensed team drowns in work an assistant should have handled. A system should find the document and route the advice.
What is conversational AI for wealthtech?
Conversational AI for wealthtech authenticates the investor, then handles account servicing — onboarding and funding questions, statement and tax-document retrieval (1099, 1099-B, 1099-DIV), transfers and ACATS, address and beneficiary updates — 24/7. It explains where a figure lives on a form; it never interprets that form for your taxes. Crucially it services and never advises: it never recommends a security, allocation, or trade, never predicts a return, and never makes a suitability determination. The instant a question turns advice-, suitability-, or tax-shaped — “should I,” “is this good,” “how much do I owe” — it routes to a licensed advisor or human, on an authenticated, least-privilege, fully-logged basis.
The difference an investor feels
A generic chatbot or ticket backlog
Lumi
A bot that improvises an answer to “what should I buy?” is a compliance incident waiting to happen. A hard advice boundary is the desk you can trust — authenticated, servicing-only, and routed the instant a question turns advice-shaped.
Finding the 1099 is just the front door
Whatever an investor asks, Lumi handles the servicing work — onboarding, funding, statements, tax docs, transfers, profile changes — and hands anything advice- or suitability-shaped to a licensed human.
In-app chat, SMS, email, voice — the investor who starts in the app at tax time and calls the next morning stays one conversation, with the account context carried across all of it, never re-asking who they are.
Authenticates the investor, then retrieves the exact statement, 1099, 1099-B, or 1099-DIV from your document vault and delivers it — and explains where a line lives on the form, never what it means for their taxes.
The moment a question turns into “should I,” “is this a good,” “will it go up,” or “how much do I owe,” Lumi stops and routes to a licensed advisor or human. Suitability, allocation, and tax interpretation are never the AI's call.
In-kind transfers, ACATS in, rollovers — Lumi explains the steps and paperwork and reads the transfer status, then escalates anything that needs an election or a suitability review to your team.
Account opening questions, identity and document collection, ACH and wire funding status — Lumi moves a new investor from “I signed up” to “I'm funded,” and hands the regulated edge to a human.
Your custodian, clearing firm, document vault, Salesforce or Zendesk — Lumi reads and writes where your ops team already works. No rip-and-replace, no shadow spreadsheet of investor requests.
Lumi never gives investment or tax advice — every advice-shaped question routes to a licensed advisor.
Servicing an account, never a portfolio
Onboarding, funding, statements, tax documents — the investor lives their account life in these moments. Here’s the account as Lumi services it, and exactly where it assists versus routes the instant a question turns advice-shaped.
Someone signs up and immediately has questions — what documents do I need, how do I verify, is my application stuck? The gap between signup and a real account is where new investors quietly drop off.
Lumianswers onboarding questions and collects identity documents — it never advises on account type or suitability.
The investor sends an ACH or wire and watches for it to post. “Did my money arrive?” is the anxious second question of every new account, and a silent app makes it worse.
Lumireads the live funding state and explains the timing — it never suggests what to do with the funds.
Ongoing account life: a statement for a lender, an address or beneficiary change, a transfer in from another broker. Routine work that still touches a regulated record.
Lumiretrieves the statement and collects verified profile changes — it routes any election or suitability question to a human.
February hits and the desk floods with “where's my 1099?” The investor needs the 1099, 1099-B, or 1099-DIV to file — and sometimes asks what a line means for their return.
Lumifinds and delivers the exact tax form and points to where a figure lives — it never gives tax advice; that routes to a professional.
Servicing is where Lumi lives; advice is where it stops. The moment a question turns into “should I,” “is this a good investment,” or “how much will I owe” — it routes to a licensed advisor. Suitability, allocation, and tax interpretation are never the AI’s call.
Built for a regulated investing business
A servicing desk on top of a broker-dealer or RIA needs walls, not improvisation. These four are wired in before the first investor — so servicing never crosses into advice, suitability, or a tax opinion.
Lumi never recommends a security, allocation, or trade, never predicts a return, and never makes a suitability determination. It never interprets a tax form for your return. The instant a question turns advice-shaped — “should I,” “is this good,” “how much do I owe” — it routes to a licensed advisor or human, by design.
No account detail, statement, or 1099 is shared until the investor is verified with a one-time code. Lumi operates on least-privilege, scoped permissions — it reads and updates only what you allow, and every action is written to an immutable log.
Lumi handles onboarding, funding status, statement and 1099 retrieval, and profile updates. Anything that requires a suitability review, a tax interpretation, an election, or professional judgment is escalated to your licensed team with the full authenticated context attached — never resolved by the AI alone.
Lumi reads and writes your custodian, clearing firm, document vault, and CRM — you keep the systems of record you run. There's nothing to migrate, and no account action that isn't yours and fully logged.
Questions, answered
Never — it's the hardest boundary on the platform. Lumi services accounts: onboarding, funding, statements, tax documents, profile changes. It never recommends a security, allocation, or trade, never predicts returns, and never makes a suitability determination. The moment a question turns advice-shaped, it routes to a licensed advisor.
It finds and delivers the exact tax form — 1099, 1099-B, 1099-DIV — and points to where a figure lives on it. It never interprets what a line means for a return or gives tax advice; that routes to a professional.
Yes. It answers what's needed to open and fund an account, collects identity documents securely, and reads live funding state so "did my money arrive?" gets a real answer. It never advises on account type or what to do with the funds.
It verifies the investor with a one-time code before any account access, operates on least-privilege scoped permissions, and logs every action. Account details are never discussed with the wrong person.
Your custodian and brokerage backend, Plaid for funding, your KYC provider (Sumsub, Persona, Alloy, Onfido), and your help desk (Zendesk, Twilio). It reads real state and writes back every servicing action, on scoped permissions.
Flat monthly pricing based on the workflows and channels you enable — not per-resolution. Bring your volume and stack to a demo and we'll scope it.
Guides & comparisons
Give it your servicing desk.
Open the demo and treat it the way your investors do — ask where a 1099 is, ask why a funding hasn’t posted, then try to get it to give you advice. Watch it refuse and route. Then bring your custodian and your stack to a walkthrough.
(986) 249-0330
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