Luminair
Platform for advice-tech strategy, system architecture, and practical implementation sequencing.
Advice-Tech CTO. I help financial advice firms build the operating layer behind better client experiences: portals, CRM architecture, workflow automation, reporting and AI-enabled delivery.
The Advice Firm Operating Layer
Advice firms rarely have a simple software problem. The friction usually sits between systems: a client enters information in one place, an adviser reviews it in another, documents live elsewhere, and the team coordinates the work through email and memory.
I treat the portal, CRM, workflow, documents, reporting and automation as one connected operating layer. That starts with the client and advice journeys, identifies the source of truth for each piece of data, and makes ownership explicit at every handoff.
Financial Advice Client Portals
A client portal is not just a set of forms. It is the front door to the advice operating model. Effective portal work connects secure identity, client data capture, document exchange, CRM records, adviser visibility, task routing and timely client prompts.
I map what the client needs to understand, what information the advice process requires, where that data lands, what triggers next and how exceptions are handled. This avoids building a polished interface that creates more work behind the scenes.
AI-Enabled Advice Workflows
The practical opportunity for AI in advice is workflow-level assistance: meeting preparation, review preparation, summarisation, missing-information checks, document follow-up, knowledge retrieval and task routing.
I focus on small, auditable improvements with clear review points. The objective is to remove operational drag while preserving adviser judgement, privacy, accountability and the human relationship at the centre of advice.
Core Capabilities
The objective is simple: fewer handoffs, cleaner data, and faster delivery. We fix constraints first, then choose tools.
Architecture and Platform Design
Define roadmap, architecture, and boundaries so technology decisions match business reality.
Workflow Automation
Automate repeatable work after the process is stable. Automation on messy workflows usually adds new friction.
Implementation Governance
Set ownership, sequencing, and decision cadence so projects do not stall between teams.
Developer-Led Execution
Build integrations, internal tooling, and workflow services that your team can run and maintain.
Systems and Stack Context
Typical environments include Fin365, Xplan, Adviser Logic, workflow engines, document systems, reporting layers, and API integrations.
Most projects fail on ownership, not tooling. I design the operating rhythm as carefully as the architecture.
Writing
If you want a sense for how I think about investment governance and real-world decision-making, start here: Bridging the Gap: Understanding Small Cap Premium.
Related Platforms
Illuminvest
Client context that keeps system priorities tied to delivery outcomes and constraints.
Professional Profile
Career context across advisory leadership, platform strategy, and execution environments.
Discuss Your Workflow
If you are unsure where to start, send your current stack and bottlenecks. I will outline the next practical step.
About Daniel Rickard
For background, positioning, and the homepage, see Daniel Rickard (Dan Rickard).