Partner program

Compliance, Security & Operational FAQs for Partner Advisors

Answers for Partner-RIAs and independent advisor reviewers on regulatory structure, portal operations, and data security. For application questions, .

Regulatory & Compliance Deep Dive

How are client review fees handled and structured?

The consumer pays a transparent, flat fee directly to RetirementNeuron.ai via our secure checkout. RetirementNeuron.ai then compensates your firm via a flat, predetermined subcontractor fee for your time utilizing our tech interface to perform the report review.

No Revenue Splitting: We do not participate in percentage-based splits or referral fees tied to your future Assets Under Management (AUM) or planning fees. We operate strictly as a software platform, keeping the transaction straightforward and clear under standard solicitor and promoter compliance guidelines.

Does participating create an ongoing regulatory relationship between our RIA and the platform?

No. Our platform’s relationship with both you and the consumer cleanly concludes upon the delivery of the report lookover. Our user Terms of Service explicitly state that the platform provides a one-time educational review interface. If a user subsequently chooses to engage your RIA for comprehensive, full-service financial planning or fiduciary management, that engagement exists entirely under a separate, private contract between your firm and the client.

How does this program interact with the SEC Marketing Rule regarding "Endorsements"?

RetirementNeuron.ai acts strictly as an objective, unbiased software interface. We do not rank advisors based on subjective criteria, we do not write testimonials, and we do not steer consumers toward specific individuals. Because we use a neutral matching framework based on factual parameters (such as state licensing) and charge a flat software/lead-generation fee rather than a percentage of AUM, this framework is designed to minimize traditional "compensated promoter" compliance friction.

Does participating in this program trigger an Outside Business Activity (OBA) disclosure for my IARD/FINRA filing?

Generally, no. Because you are acting as a representative of your RIA using a third-party software interface to conduct professional reviews—and the compensation is paid directly to your RIA entity rather than you personally—this is typically treated as core RIA business operations rather than an OBA. However, compliance interpretation varies; you should verify this against your firm's specific internal compliance manual.

Portal & Program Operations

How are client review requests distributed to partner advisors?

Match routing is handled cleanly through our automated dashboard based on geographic alignment (state licensing) and the advisor's specified planning niche. When a consumer requests a review, you will receive an alert in your advisor portal. You have complete autonomy to accept or decline the review request based on your current capacity.

What is the expected turnaround time for a report review?

To maintain a premium consumer experience, we request that accepted reviews be completed within 3 business days. Because the RetirementNeuron.ai software fully aggregates, formats, and checks user data inputs prior to your review, the platform interface allows you to efficiently audit assumptions and append your professional feedback in roughly 20 to 30 minutes.

Can we use our own proprietary planning software or intake forms during the review?

The initial report review must be completed entirely within the secure RetirementNeuron.ai advisor portal dashboard to ensure consistency and maintain data security boundaries. However, if the consumer chooses to independently hire your RIA for full-service comprehensive planning after the review, you are entirely free to transition them to your firm's native tech stack (e.g., eMoney, RightCapital, Orion).

Security & Data Architecture

How is consumer financial data secured on the portal?

We prioritize data privacy and security protocols to help you maintain your compliance obligations.

  • All user financial inputs are securely hosted using modern encryption standards.
  • Partner advisors are issued private, password-protected admin credentials.
  • Financial profiles are presented cleanly within the advisor dashboard, allowing you to execute efficient, high-value assessments without data-handling friction.
Does the portal comply with GLBA (Gramm-Leach-Bliley Act) data privacy requirements?

Yes. We understand that RIAs are bound by strict federal and state data safeguarding rules. RetirementNeuron.ai utilizes institutional-grade security architecture. All data is encrypted both in transit (using TLS 1.3) and at rest (using AES-256 encryption). Our systems follow strict access controls to align cleanly with your firm’s written information security program (WISP).

How long is consumer financial data retained in the advisor portal?

To protect both the consumer and your firm, data exposure is strictly minimized. Financial inputs provided for the review are accessible via your dashboard for 30 days following the completion of the review, after which the client record is automatically archived and uncoupled from your active portal access.