Why Dual Platforms?
Because America's Financial Crisis Has Two Faces
The Access Crisis: 141 million American households have been locked out of quality financial guidance, relegated to generic apps while the wealthy receive personalized CFP-level service. This isn't just unfair, it's un-American.
The Wealth Management Crisis: Financial advisors are losing 90% of inherited wealth during the $124 trillion generational transfer, the largest wealth shift in human history. Families are falling through the cracks of an industry that has forgotten how to serve multiple generations.
These aren't separate problems. They're two symptoms of the same disease: a financial system that has lost its moral compass, choosing profit over people, complexity over clarity, exclusion over inclusion.
Consumer Growth
Your Financial Coach in Your Pocket
Rising Tide Consumer Edition is a mobile app that brings financial education, access, and planning capabilities to everyone. Think of it as having a CFP available 24/7 on your phone.
The app helps you with everything from building your first emergency fund to planning for retirement. It understands your emotions around money and provides step-by-step guidance that's personalized to your situation whether you're just starting out or building serious wealth.
What makes it special: You get the same quality insight that wealthy families receive from their dedicated financial teams, but at a price everyone can afford. The app learns about you and grows with you as your overall situation improves.
The natural next step: When your financial needs become more complex and require a hands-on expert (like estate planning, selling a business, or managing investments) the app seamlessly connects you with human advisors who already know your history and goals.
Wealth Advisor Growth
Professional Teams for Growing Families
Rising Tide Advisor Edition helps financial advisors work with entire families, not just individual clients. It's the behind-the-scenes platform that lets advisors manage multiple generations and coordinate complex financial conversations.
Advisors use this platform to track family goals across different family members, plan for major life events, and ensure everyone stays connected to the family's financial plan. It helps advisors provide the kind of comprehensive service that keeps families together during big changes.
What makes it special: Instead of losing clients when wealth transfers to the next generation (which happens 90% of the time), advisors can maintain relationships with children, grandchildren, spouses, and their other trusted professionals because everyone is already part of the family's financial plan.
The natural next step: When advisor practices need to plan for retirement or transition to new leadership, the platform has already built relationships with the next generation of both clients and advisors, making smooth transitions possible.
Next Generation
Capturing the Silver Tsunami Opportunity
Rising Tide Advisor Next Gen helps financial advisory practices prepare for the massive wave of advisor retirements happening over the next decade. Most advisors don't have succession plans, creating a crisis for both retiring advisors and their clients.
This platform helps younger advisors step into leadership roles while maintaining relationships with multi-generational client families. It captures the trillions of dollars in client assets that would otherwise be lost when advisors retire without proper succession planning.
What makes it special: Because families are already connected across generations through the platform, and younger advisors have been part of the team, the transition feels natural rather than disruptive. Clients stay with the practice instead of leaving to find new advisors.
The complete cycle: New consumer families start with the mobile app, graduate to working with advisor teams, and those relationships continue seamlessly even when individual advisors retire—creating a self-sustaining system that serves families for generations.
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