Independent Advisors and Family Offices Who Want to Build the Firm of the Future
Whether you're a solo RIA, an emerging firm, or a multi-advisor ensemble, Fispoke empowers you to:
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Deliver big-firm capabilities without losing independence
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Strengthen client stickiness with planning-aligned cash and lending tools
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Expand your value proposition instantly; no new infrastructure required
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Deliver a seamless banking and wealth experience your clients can feel
Fispoke gives independent advisors the power, presence and platform usually reserved for the wirehouses without ever giving up independence.
Our Platform:
Built for Advisors Who Want More Control, More capability, More Freedom
Independent advisors shouldn't have to choose between staying true to their fiduciary model and accessing the tools that help them grow. Fispoke exists to give you both.
We serve fee-based, fee-only, and commission-based advisors by providing a platform where you decide to structure your value; whether that means receiving basis-point economics or passing every basis point directly to your clients. With Fispoke revenue flexibility is built in, not bolted on.
With Fispoke: Compete (and Win) Against Brokerage Firms
Advisors lose clients to large firms not because of advice quality, but because of product gaps. Fispoke fills those gaps.
Our Platform delivers the same institutional-grade offerings that brokerage firms use to win multigenerational loyalty, but without quotas, product pushing, or conflicted incentives.
You get:
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A broader suite of planning tools
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Integrated banking and lending
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A digital experience that clients expect
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The ability to be your clients true one-stop wealth partner
Fispoke Offers: Revenue Opportunities Designed Around Your Business Model
Every firm is different. Your compensation structure should be too.
With Fispoke, advisors can choose to:
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Receive monthly basis-point revenue on clients' HYSA average daily balances and other eligible products.
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Pass the economics directly to clients if you prefer a pure, fee-only experience with zero advisor monetization.
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Mix and match depending on household type, service tier, or relationship structure.
A White Labeled Platform:
Brokerage firms have long held an advantage; access to a wide suite of banking and lending solutions under one roof.
Our platform gives independent advisors a seamless way to offer their clients:
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High Yield Cash Management (HYSA) with competitive
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Real Estate Loans & Mortgage Lending for purchase, refinance, or equity needs
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Securities-Backed & Insurance-Backed Lending
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Advisor Financing for succession, acquisition or working capital
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Life Insurance & Life Settlement Solutions
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Branded Credit Cards
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External account linking and a unified client experience
Who We Serve
Empower Your RIA Practice with Modern Banking Tools.
Access lending, deposits, and credit products built exclusively for independent advisors, at zero platform cost.
Fispoke gives RIAs the power to compete with wirehouses by embedding private banking capabilities directly into your practice. From high-yield savings and securities-backed loans to branded credit cards and M&A financing, you control the client experience while we handle the infrastructure, compliance, and execution.
Trusted By Industry Leaders
Select Clients We’re Proud to Serve
Strategic Launch Partners
Institutional Partners
Integration Partners
Built for Trust: Security, Compliance & Confidentiality
Enterprise Level Security
SOC 2 Type 1 Certified
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Independent third-party audit validates our security controls, data integrity, and operational transparency.
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Continuous monitoring and encryption across all client data in transit and at rest.
Banking-Grade Protection
FDIC-Insured
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Partner bank deposits are FDIC-insured up to applicable limits.
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Multi-factor authentication and role-based access ensure secure advisor and client logins.
Data Privacy
Adheres to SEC/FINRA
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Zero data-sharing with third parties without explicit consent.
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All client information is encrypted and used solely for servicing.
Contact
Products
Fispoke is an online platform providing private banking services to independent financial services professionals and their clients. Fispoke is not a bank or lending institution. Fispoke’s solutions are provided by third-party partner financial institutions. Rates and FDIC insurance are determined by partner banks, subject to FDIC rules, including aggregate insurance coverage limits. For additional information regarding FDIC coverage, please visit https://fdic.gov. Annual percentage yield on deposit accounts may change at any time. If you are introduced to Fispoke by a financial professional, please be aware that, unless explicitly disclosed to you, they are not affiliated with Fispoke. Financial professionals may charge fees, which impact the effective rate on deposited cash. For more information, please speak with your financial professional.
All information contained herein is for information purposes only and should not be considered financial, accounting, legal, or tax advice. You should consider seeking advice from your own advisor to determine suitability for your specific situation.