Use case · Compliance

Compliance automation for advisory firms.

Zomma runs cross-system periodic reviews on schedule. ADV amendments, KYC refresh, beneficiary checks, RMD prep, IPS drift, Reg BI documentation. Every action recorded in an append-only audit log designed for SEC Rule 204-2.

The pain

Compliance work doesn't scale by hiring.

Quarterly review week is six logins, three spreadsheets, and a week of someone's life — verifying risk profiles, IPSes, beneficiaries, and Reg BI documentation across every system. Regulatory workload grows; headcount stays flat. Knowledge of what was checked, when, and why walks out with every departure.

34%

of advisor time spent on back-office and compliance work.

Kitces
70%

of operational decisions are never written down.

Internal research
Quarterly

Reg BI, suitability, and IPS reviews carry per-client documentation burden.

SEC
7 years

minimum retention under Rule 204-2. Zomma logs every action for that long.

SEC Rule 204-2
How Zomma runs it

Cross-system. On schedule. Logged for the CCO.

  1. 01

    Schedule the review.

    Quarterly, semi-annual, annual, or trigger-based. Zomma starts the workflow at the right time across the right book of business.

  2. 02

    Pull from every system.

    Redtail or Wealthbox for relationships, Black Diamond or Orion for performance, eMoney for plans, custodian portals for positions, carrier portals for in-force coverage.

  3. 03

    Run the checks.

    Risk profile currency, IPS consistency, beneficiary alignment, suitability per state, ADV currency, KYC freshness, RMD eligibility, Reg BI documentation completeness.

  4. 04

    Surface drift.

    Anything inconsistent gets queued for an advisor or CSA — not buried, not auto-resolved.

  5. 05

    Log everything.

    Append-only audit ledger captures the full chain: what Zomma checked, what it found, what the human decided, and when. Designed for SEC Rule 204-2.

What it ships with

Built for the regulator's eye.

Cross-system

Reads the whole stack.

CRM, performance, planning, custodian, carrier, e-sig, document vaults — Zomma sees the full picture without an integration project.

CCO-ready

Audit trail by default.

Every action recorded in an append-only ledger with 7-year retention. Built for SEC Rule 204-2 and state-level equivalents.

Human in the loop

Surfaces drift, never resolves it silently.

Anything ambiguous gets queued for a person. The agent never makes a regulatory decision on its own.

Built to pass your CCO's review. Append-only audit log with 7-year retention. Designed for SEC Rule 204-2 and state equivalents. Per-tenant data isolation, AES-256 encryption, human approval before any final action.

Questions

What CCOs ask first.

Periodic review (quarterly, semi-annual, annual), ADV amendments, KYC refresh, beneficiary checks, suitability, IPS drift, RMD prep, Reg BI documentation logging, and state-level filings. New checks are added in days.

Show us one review cycle. We'll run it back to you in two weeks.