Software that watches the work.
We could not find software that matched the way we wanted to practice. So we built it ourselves — one memory across planning, investment, tax, estate, and compliance. Supervised by a named human on every output.
We started Intellicapital small, on purpose. Three people, a few dozen households, a single standard of care. The trouble was that the software we needed to keep that promise — one memory of each family, across every discipline that touches their wealth — did not exist. Planning tools did not speak to portfolio tools. Compliance lived in a separate filing cabinet. Estate documents sat in email.
Every firm we knew had the same problem and most had given up. The accepted answer was to hire more people, stitch more vendors together, and accept that something would always be missed. We did not want to accept that. So we wrote the software ourselves.
"BAFAos is not a feature list. It is a discipline made legible — the firm's operating standard, enforced by software."
BAFAos is not a product we sell. It is the operating system of the firm. It is the reason we can offer one standard of care to every household, from one million to thirty million, and still know your estate documents by their first sentence. It is how a three-person firm stays a three-person firm.
Four rooms, one house.
Intelligence.
Market research, sector rotation, and consensus signals — surfaced as observations the advisor reads before a recommendation is ever drafted. Inputs, never instructions.
Coordination.
Planning, investment, tax, estate, and compliance share one memory of the household. No re-asking, no version drift, no document lost between systems.
Memory.
Every meeting, every decision, every document written to a tamper-evident ledger. Seven years minimum, by rule. For the life of the relationship, by practice.
Supervision.
Every AI-generated draft, flag, or signal is routed through a named human before it leaves the firm. The Chief Compliance Officer sees the queue. Nothing ships unsigned.
What it does
BAFAos uses artificial intelligence to read faster than a human can, to remember more than a human should have to, and to flag patterns in a household's data that a human might miss on a busy week. It drafts. It summarizes. It surfaces. It watches the calendar for the document that should have been renewed, the position that has drifted, the meeting recap that has not yet been written.
Every output it produces is an input to a person. Not the last word.
What it does not do
No artificial intelligence at this firm makes investment recommendations to a client, signs communications, sends documents, executes trades, or speaks on the firm's behalf. AI may surface market observations and consensus signals for the advisor's review; no recommendation reaches a household without a named human's judgment and sign-off.
The signature on the page is a person's. The voice on the phone is a person's. The decision is a person's. The fiduciary duty runs to a person — and so does the accountability.
The governance
Every AI-generated draft, flag, or signal is logged at the moment it is produced, with the model that produced it, the inputs it saw, and the named advisor who reviewed it. The Chief Compliance Officer sees the queue. Approval gates are tiered by risk. The audit trail is immutable and retained for seven years, per SEC Rule 204-2.
If we cannot show our work, we have not done it.
Every action, on the record.
| When | Event | Advisor | Disposition |
|---|---|---|---|
| 2026-04-12 09:14 ET | Drift alert · AAPL position 6.2% over target band | M. McAlpin | Reviewed · rebalance scheduled Q2 |
| 2026-04-12 11:03 ET | Estate doc expiration · POA renewal in 47 days | K. Getka | Client notified · attorney introduced |
| 2026-04-12 14:31 ET | Roth conversion model · 2026 bracket optimization draft | R. Fremont | Reviewed · revised · sent to client |
| 2026-04-13 08:22 ET | Sector signal · energy overweight, consensus 38/50 | M. McAlpin | Reviewed · noted · no change to allocation |
| 2026-04-13 16:08 ET | Meeting recap · Q2 review with household drafted | R. Fremont | Revised · signed · archived to folio |
The software is the proof of the standard.
If you want to see how a three-person firm coordinates the work of a fifty-person one, the conversation is the place to start.