advisor
R. Liang · IAR
Every channel.
Every message.
One system.
Email archiving for RIAs, plus every off-channel message: email, web, social, SMS, WhatsApp, and iMessage, captured to WORM storage and surveilled by AI that knows the difference between a fee complaint and a Friday lunch order. No data sync layer. No third-party archive vendor. Just one product, one contract, one phone call.
9:41● ● ●
Tuesday · 2:14 PM
Quick q, the fees on my Q1 statement look higher than what we discussed at the annual review. Can you break that down?
Just pulled it up. Your blended fee came in at 87 bps because the alternatives sleeve carries a higher rate. It's fully disclosed in the wrap-fee brochure we signed in January.
Want me to send a written breakdown to your CPA as well?
Yes please. I thought it was a billing error. Appreciate you clarifying.
⬢ sha-256 · a3f9·c7b1·9d24
4 messages · iMessage thread
R. Liang (IAR) ↔ D. Chen · fee inquiry resolved with wrap-fee brochure citation.
AI · review
Surfaced to CCO for sign-off
Off-channel communications capture and email archiving, in one system.
Off-channel communications are why the SEC's recordkeeping initiative has charged more than 100 firms and imposed more than $2 billion in penalties since December 2021. RegFin gives investment advisors email archiving and off-channel capture in one system. Business texting (iMessage, SMS, MMS, RCS) is sealed to WORM storage the moment a message exists, so a later edit or deletion never touches the record. WhatsApp and email from Microsoft 365 and Google Workspace land in the same sealed archive, kept under the same Rule 204-2 retention.
BYOD. Privacy-first. Boundary-aware.
The hardest part of text message archiving isn't the storage, it's coverage without a fight. RegFin gives advisors a path that changes nothing about how they text, and firms a path that captures everything.
BYOD-friendly
Advisors keep the phone and the number they already have. There is no second device to carry and no new number to hand out. The firm adds its archive contact to client conversations, and that is the only change. Works on iPhone and Android.
Company phones, fully covered
For firms that want complete capture with zero reliance on advisor habits: the firm buys the phones, RegFin manages them, and every message on the device is archived automatically. See the two levels.
Selective capture
Spouse, family, the kids' soccer coach, none of it is archived. Only conversations that include the firm's archive line are captured, so advisor privacy and firm compliance live in the same product.
Every place an advisor might say something.
One archive for every channel an advisor uses. Business texts run through the firm's archive line and are sealed before anyone can edit or delete them; email, social, and your website come in the same way.
Featured
Quick q on Q1 fees…
Just pulled it up, blended fee is 87 bps
iMessage
Your iPhone advisors are covered. They keep texting in Apple Messages, and business threads that include the firm's archive line are archived in full, including messages someone later edits or deletes. See iMessage archiving in depth.
SMS, MMS & RCS1:1 · group
SMS, MMS & RCS
SMS, MMS, and RCS through the firm's archive line, one-to-one and group. The record survives sender-side deletion and edits.
WhatsAppbusiness
WhatsApp Business messages, voice notes, and documents, captured and sealed in the same archive as every other channel.
EmailM365 · Google Workspace
Microsoft 365 and Google Workspace via journaling. Full headers, attachments, and full-text search across the full retention window.
LinkedInposts · comments · DMs
Posts, articles, comments, recommendations, and direct messages from advisor accounts.
Facebook & Instagram
Page posts, comments, stories, and DMs from business pages. Personal accounts stay personal.
YouTube & X
Channel uploads, community posts, replies, quote-posts, and DMs from firm and IAR-tied accounts.
Website & blogsnapshot every 24 hr
Website & blog
Full web replay: see your site as it appeared on any given day and step through day by day. Page-level snapshots of marketing pages, blog posts, and PDF disclosures, versioned with diffs for material changes.
Archive line on · business thread
Personal threads · never archived
BYOD & selective capture
Advisors keep their own phone and number. Only conversations that include the firm's archive line are archived; personal threads never are.
Surveillance that reads context, not just keywords.
Lexicon systems were built when "Friday lunch" sounded suspicious. RegFin's filter reads the context: who is talking, what was discussed last quarter, whether the wrap-fee disclosure is already on file. It surfaces the messages that actually warrant a look, then hands the decision to a person.
Nothing is actioned on AI alone. Every escalation, clear, or note requires an explicit advisor or CCO decision, and each one is appended to the message's audit trail.
90%+
Reduction in false positives · vs lexicon-based systems
T. Okafor to client
Outbound · iMessage
"...honestly this one is practically a guaranteed return, the yield hasn't dropped in 15 years."
M. Halloran to client
Outbound · Email
"Diversification across these sectors virtually eliminates any downside risk in the portfolio."
D. Reyes to prospect
Outbound · SMS
Escalated
"Just send it to my personal gmail and we'll keep this thread off the record."
Every decision written to the message audit trail
Stored once. Provable forever.
Every message gets the same evidence treatment a 10-K gets at a public company: sealed, hashed, immutable.
01 · Capture
SHA-256 at first byte
Every message is hashed before it leaves the source. The hash is sealed with our key, tamper-evident from the moment of capture.
02 · Store
WORM · tamper-proof
Write-once storage. Once a record lands, no one can alter or delete it, not even RegFin.
03 · Retain
Five-year rule floor
Rule 204-2 keeps records in an easily accessible place for at least five years, the first two years in an appropriate office. RegFin defaults to six years and supports custom retention up to 25 years for funds or broker-dealer affiliates. Every message stays instantly searchable for the full period.
04 · Produce
Exam pack in one click
Filter by date, advisor, client, channel. RegFin produces a sealed export with manifest, hashes, and chain-of-custody log.
Your questions, answered.
No. With the archive line, advisors keep their personal iPhone or Android and their existing number; only conversations that include the firm's archive line are archived. If you would rather not rely on advisor habits at all, your firm can buy company phones that RegFin manages, where every message on the device is archived automatically. Either way, nothing is installed on anyone's personal phone.
Personal threads are never archived, because they do not include the firm's archive line. Only conversations that carry the archive line flow into the archive. This is the boundary that makes BYOD viable: firm compliance and advisor privacy, in the same product.
Yes. Advisors keep texting from their iPhones in Apple Messages. Business conversations that include the firm's archive line are preserved in full, including messages someone later edits or deletes, so there is nothing to install and nothing to change. See iMessage archiving in depth.
It means RegFin built the whole pipeline: capture, storage, surveillance, search, and exam production, with no third-party capture layer inside it. Most compliance platforms license text capture from an outside vendor, and captured messages travel to a separate archive, often by email, in batches hours apart. In our system a message is captured and sealed within moments of existing, and when something needs fixing, you call the people who built it.
Business texts are sealed to WORM storage the moment they exist. A message a sender later deletes or edits, including in an iMessage thread, leaves the archived record intact, and the archive also keeps a record of the deletion or edit attempt, which is itself a flag-worthy event under our surveillance rules.
Context. The model sees the full thread, the advisor-client relationship history, the disclosure documents on file, and the surveillance policy your CCO configured. A "fee complaint" alert won't fire when the wrap-doc was acknowledged last month and the message references that exact disclosure. Every alert includes a citation to the documents and rules it weighed, auditable end to end. And no alert is auto-actioned; a human approves every state change.
RegFin is built to help RIAs meet SEC Rule 204-2 (books and records for investment advisers), including §204-2(a)(7) for written communications. Rule 204-2 requires those records for at least five years, the first two in an appropriate office; RegFin defaults to a longer window and lets you extend it. If your firm is also a broker-dealer or dually registered, Exchange Act Rule 17a-4 and FINRA Rule 4511 impose separate broker-dealer recordkeeping obligations that remain your firm's responsibility. Audit reports available under NDA.
No. Nothing is installed on anyone's personal phone. Advisors keep full control of their device, and the firm's archive contact is simply added to client conversations. For firms that issue company-owned phones, RegFin manages the devices so every message is archived automatically, with no per-thread setup.
Yes. Content deployed from the Approved Content Library is automatically archived with full provenance: the original approved version, any customizations, the deployment channel, and the audience it was sent to. The same WORM seal applies, and the archive entry links back to the marketing review that originally approved the content.
One migration. No message gap.
Moving off your existing archive is simpler than you think. We'll walk you through the cutover plan during your demo.
Book a demo →