Wealth and investing software clients understand
Multi-custodian portfolio reporting, fund investor portals, advisor onboarding with suitability, family office consolidation, robo-advisors and trading apps. Built so clients understand what they own and advisers can show why.
What wealth and investing software has to get right
Wealth software sits between custodians, fund administrators and clients who want one clear picture. Most problems we see come from files assembled by hand: statements, capital accounts and suitability reports stitched together every quarter.
The builds below pull positions from each source, reconcile them, and produce reports and documents from the same data. Advice and suitability are built from the client's case, and AI commentary is reviewed by an adviser before it goes out.
Problems we are asked to fix
The problems teams bring to us, the system that fixes each one and the builds that did it.
Portfolio reporting
Client portfolio reports are assembled from custodian files by hand.
Positions from several custodians reconciled into one report, with AI commentary an adviser reviews before sending.
Fund investor portal
Investors ask for documents and capital account statements by email.
Documents, statements and capital calls in a portal, with controls that stop wire fraud on payment details.
Advisor portal
Client onboarding for advisers needs suitability and KYC paperwork.
Fact-find, risk profile and suitability report built from the client's case, not retyped into a template.
Family office platform
Family offices cannot see all assets in one place.
Look-through net worth across trusts, companies and accounts, with ownership shown at every level.
FATCA and CRS data
FATCA and CRS reporting needs data from several systems.
Investor tax status captured at onboarding and kept with the account, so year-end reporting draws on clean data.
6 kinds of wealth and investing system we have built
Each one links the product build behind it, counted from our case studies.
Wealth and investing products we built
Sextant - Multi-Custodian Portfolio Reporting with Advisor-Reviewed AI Commentary
Designed and built a clickable portfolio reporting platform for a Denver investment adviser with client assets at three custodians: daily reconciliation against custodian files, household views with performance gross and net of fees, and quarterly AI commentary that may only cite engine numbers and needs advisor and compliance sign-off.
Capstan - Fund Investor Portal and GP Console with Wire-Fraud Controls
Designed and built a clickable GP and administrator console for a New York private equity manager with a Delaware fund and a Cayman feeder: capital calls and distributions followed to settlement, an investor register with KYC and tax form status for each LP, and bank detail changes that need a signature, a callback and a second approver before any money moves.
Waymark - Advisor Portal with Suitability Reports Built From the Case
Designed and built a clickable advisor portal for a UK wealth firm's financial planners: a daily home with reviews due and alerts, a segmented client book, a Client 360 for every household, an advice case board and a suitability report builder that will not issue a report until the checks and approvals are in place.
Kinfold - Family Office Platform with Look-Through Net Worth Across Trusts and Companies
Designed and built a clickable family office platform for a Hong Kong single family office serving a three-generation family: one look-through net worth in HKD across trusts, holding companies and banks in six jurisdictions, an ownership map, an asset register with valuation ages, and a capital call calendar with four-eyes payment approval.
Fjärd - Robo-Advisor App for ISK and KF Savings
Designed and built a clickable robo-advisor app for a Swedish digital investment manager: a suitability-based portfolio recommendation with its costs shown before investing, managed ISK and KF accounts that rebalance automatically, goals with projections, ISK tax estimates, and deposits and withdrawals signed with BankID.
Pregão - Stock and ETF Trading App with the Income Tax Explained
Designed and built a clickable investor app for a Brazilian broker trading B3 stocks and ETFs: patrimônio at a glance, a market overview, an asset page with an order ticket that shows the lot and fractional split before sending, a portfolio at average price, and a tax centre that works out the monthly DARF.
The rules involved
The rules this kind of software usually has to follow. Guidance, not legal advice.
- 01
Investment services rules
MiFID II in the EU, the FCA's conduct rules in the UK, and the SEC's adviser rules in the US set suitability, disclosure and record-keeping duties.
- 02
Fund rules
Private placement and fund laws, which decide who may invest and what they must be told.
- 03
Tax reporting
FATCA and the Common Reporting Standard require investor tax status and annual reports.
- 04
Anti-money laundering
Investor due diligence and source of funds checks under AML laws.
- 05
Operational resilience and data
DORA for EU investment firms, and the GDPR and similar laws for client data.
Framework guides
Rules our wealth and investing builds cite most
- FATCA3
- CRS2
- GDPR2
- Regulation S-P2
- Books and Records Rule (204-2)1
- Cayman Data Protection Act1
- Cayman Electronic Transactions Act1
- Cayman Private Funds Act1
- Companies Ordinance (Cap. 622)1
Two ways to work with OceanLab
Project build
We design and build the system as one project. It starts with a clickable prototype your team tries before any production code is written. Pay per milestone (outcome-based) or hourly at $30-50/hr, depending on role and seniority.
Embedded engineers
Our engineers join your team on a flexible monthly retainer. Part-time is fine and it runs month to month, with hours that overlap the US, UK and Europe, the Middle East, and Australia and Asia. Outcome-based or $30-50/hr.
Guides and tools
Wealth and investing software questions
Can you connect to our custodians?
Yes, through their APIs or files, with daily reconciliation so differences are caught before a client sees them.
Can AI write client commentary?
It can draft commentary from the portfolio data. An adviser reviews and approves every piece before it goes out, and the approval is logged.
Do you build robo-advice?
Yes. The suitability logic is versioned and explainable, so each recommendation can be traced to the client's answers and the rules in force at the time.
