AI wholesaling for the modern asset manager.

Automate distribution. Eliminate compliance risk. Scale advisor coverage without adding headcount.

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Problem

The Wholesaling Model

The wholesaling model is structurally broken — expensive, thin, and exposed.

Fully loaded cost / yr

$350K+

Per wholesaler, all-in. Base, variable, T&E, benefits, overhead.

Advisors covered

150–200

Maximum advisor relationships one human wholesaler can credibly cover.

At compliance risk

100%

Of outbound communications — every email, every follow-up, every touch.

The result: inconsistent coverage, missed follow-ups, and compliance exposure on every message leaving the firm.

Gap

What Exists Today

Every existing tool records the work, hires the work, or blasts the work. None of them do the work.

Category A

CRM Platforms

Record what happened. Do nothing about it.

Category B

Marketing Automation

Email blasts at scale. Not relationship-level personalization.

Category C

More Wholesalers

+ Headcount

Scales cost, not output. Same compliance exposure, larger expense line.

Category D

Generic AI

Gemini

No financial-services context. No compliance layer. No workflow.

Solution

What AssetFlow Does

Six coordinated
AI agents. One
wholesaling workflow.

AssetFlow deploys a fleet of specialized agents that execute the full wholesaling workflow — compliantly, consistently, and at a fraction of the cost of a distribution team.

Agent · 01

Meeting Prep

Advisor profile, AUM tier, product fit, and talking points ready before every call.

Agent · 02

Follow-Up Drafting

Personalized follow-up drafted and queued for approval within minutes of every meeting.

Agent · 03

Territory Priority

Ranks advisor relationships by engagement score, AUM potential, and recency.

Agent · 04

Compliant Outbound

Every communication reviewed against SEC Marketing Rule & FINRA guidelines before send.

Agent · 05

Relationship Memory

Persistent memory compounds on every interaction. The system gets smarter with every touchpoint.

Agent · 06

Market Commentary

Timely, compliance-cleared market insights tied to real economic data, pushed to advisors.

Plugs into your stack—————Bloomberg—FactSet

Security

Compliance & Trust

Built to clear institutional procurement.

Certification

SOC 2 Type II

In progress. Target Q3 2026.

Hosting

US Region · AWS

Single-tenant option for enterprise.

Data

Encrypted at rest + in transit

AES-256. Customer-managed keys available.

Model

No training on your data

Your corpus stays yours. Always.

Architecture

How It Works

A coordinated multi-agent system, purpose-built for distribution.

Layer · 01

Orchestration

A supervisor agent coordinates the six specialized agents, routing work, resolving conflicts, and escalating to humans when judgment is needed.

Layer · 02

Compliance-Aware RAG

Every draft is grounded in your approved fund materials, marketing-cleared language, and regulatory guardrails — SEC Marketing Rule, FINRA, and internal policy.

Layer · 03

Governance & Audit

Every agent action is logged, reviewable, and reversible. Full audit trail. Role-based approvals. Human-in-the-loop on every outbound message.

Economics

What It Costs

Ten wholesalers of coverage, at a fraction of the cost.

Today · Human Team

10× Wholesalers

$3.5M/ yr

Fully loaded10 × $350K
Advisors covered1,500–2,000
Compliance exposurePer message
Ramp time6–12 months
ReportingMonthly, manual

AssetFlow · Platform + Lean Team

Platform + Lean Team

$180K/ yr

Enterprise tierAnnual license
Advisors covered1,500–2,000
Compliance exposurePre-send review
Ramp time90 days
ReportingReal-time, audit-ready

Same coverage. Consistent compliance. ~95% less cost.

Why Now

The Window

Three inflections converging — at once.

Inflection · 01

Agent infrastructure is here

Multi-agent orchestration, compliance-aware RAG, and real-time governance are ready today. Not possible two years ago.

Inflection · 02

Distribution is a line item

Asset managers are re-examining the $350K/wholesaler line — and the advisor reach it produces.

Inflection · 03

Compliance tightens

SEC Marketing Rule enforcement and FINRA examinations are up. Manual review no longer scales.

Inflection · 04

Advisors expect more

RIAs now expect relevance, speed, and substance — or they unsubscribe.

Team

The Founders

Distribution operators meet agentic AI builders.

John Gulino

Co-Founder

Fifteen years running distribution and wholesaling teams across institutional asset managers. Lived the $350K-per-seat math firsthand — and what gets missed when 200 advisors sit with one human.

David Ward