Workflow Drilldown: 6. Review
Review is the point where AI leverage becomes professional advice. The human advisor, planner, trader, or compliance officer decides what is correct, appropriate, and deliverable.
What needs review
Relevant tools: Compliance review and archiving commonly rely on Smarsh, Global Relay, Red Oak, Comply, SmartRIA, RIA in a Box, plus firm-approved CRM and email archives.
- Client-facing emails, summaries, reports, and educational content.
- Financial plans, assumptions, recommendations, and implementation steps.
- Tax, estate, insurance, and investment interpretations.
- Marketing content and social posts.
- Trade suggestions, rebalancing suggestions, rollover analysis, and product comparisons.
- Chatbot responses that may become advice or regulated communications.
Review roles
Advisor/planner
Verifies facts, client context, suitability, tradeoffs, tone, and recommendation logic.
ComplianceReviews advertising, communications, disclosures, conflicts, recordkeeping, and policy exceptions.
OperationsChecks forms, account data, custodial process, task routing, and implementation feasibility.
SpecialistsCPA, attorney, insurance specialist, trader, or investment committee validates domain-specific issues.
Review checklist
- Are the source facts correct?
- Is the output based on complete enough data?
- Is it personalized advice, generic education, marketing, or internal analysis?
- Are conflicts disclosed or avoided?
- Does it require CPA/attorney/insurance/trading specialist involvement?
- Does the client understand the tradeoff and next step?
- Is the final output archived properly?
Key principle: AI can assist with recommendations, but it cannot carry fiduciary responsibility. The firm and professionals remain accountable.