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Investipal vs StratiFi
Short answer: Investipal is best for rias and planners in the u.s. and canada who want statement-to-proposal-to-onboarding-to-billing in one system; StratiFi is best for firms that want statement-to-proposal workflows plus automated compliance monitoring. StratiFi publishes pricing (From $5,995/yr); Investipal sells by quote. Book demos of both and test them on your real workflow.
Investipal and StratiFi both take a prospect's brokerage statement and turn it into a risk-scored proposal and an investment policy statement. They split after that. Investipal keeps going into onboarding, e-signature and billing, and adds Alpha, an AI agent that builds proposals and review decks. StratiFi stays on risk: its PRISM score and a compliance dashboard that monitors accounts for Reg BI, share-class, concentration and suitability issues. StratiFi publishes annual pricing; Investipal quotes on request.
| Investipal | StratiFi | |
|---|---|---|
| What it is | Advisor platform from statement scan to risk profile, proposal, IPS, onboarding and billing, with Alpha, an in-app AI agent. | AI wealth platform for RIAs: statement extraction, risk profiling, proposals, IPS and compliance alerts. |
| Best for | RIAs and planners in the U.S. and Canada who want statement-to-proposal-to-onboarding-to-billing in one system | Firms that want statement-to-proposal workflows plus automated compliance monitoring |
| Category | Portfolio analytics & proposals | Portfolio analytics & proposals |
| Free option | None listed | None listed |
| Starting price | Contact vendor | From $5,995/yr |
| Key capabilities |
|
|
| Skip it if | You only need a meeting notetaker, or your all-in-one platform already handles proposals, billing and reporting. | You run fewer than a handful of proposals a year; an annual contract may not pay off. |
| Details | Investipal overview | StratiFi overview |
Key differences
From each vendor's own site, checked October 30, 2026.
| Investipal | StratiFi | |
|---|---|---|
| Statement scanning | PDF, image, XLSX, CSV or Plaid; holdings, transactions and embedded fees with per-cell source citations | AI document scanning extracts positions from any custodian statement |
| Risk profile | Composite of Portfolio, Behavior and Risk Capacity scores mapped to bands; advisor override with documented rationale | PRISM score on a 1-10 scale across volatility, correlation, tail risk, beta and concentrated stock risk |
| Proposal and IPS | Drag-and-drop proposal studio with AI commentary, shared as a white-label microsite; IPS with e-signature | RTQ, proposal and IPS on every plan; custom RTQ and fact finder on Premium |
| After the proposal | Onboarding portal (agreements, disclosures, e-signature) and billing: AUM, flat, tiered or subscription | Compliance dashboard for Reg BI, share class, concentration and suitability |
| AI agent | Alpha builds proposals end to end, prepares review decks and updates client profiles from conversations | AI statement extraction plus AI-powered investment research and factsheets |
| Pricing | Not published; on request | Essential $5,995/yr (500 accounts), Premium $16,995/yr (1,500), Platinum $39,995/yr (4,000); unlimited licenses |
| Integrations | Salesforce, Wealthbox, Redtail, GReminders, Vega Minds, PreciseFP, SideDrawer, Elements, Schwab, Altruist | API available on request |
| Investments covered | Public investments, alternatives and insurance in portfolio construction | Stocks, bonds, ETFs, mutual funds, interval funds, real estate, alternatives, options, crypto, annuities and SMAs |
Choose Investipal if
- You want one system from statement scan to signed paperwork and the first bill.
- You want an AI agent to draft proposals and review decks from your notes and portfolio data.
- You're consolidating separate proposal, IPS, onboarding and billing tools, and you custody at Schwab or Altruist.
Choose StratiFi if
- Ongoing compliance monitoring across advisors (Reg BI, share class, concentration) matters as much as winning the proposal.
- You want a published annual price with unlimited licenses, priced by account count.
- You already have onboarding and billing elsewhere and only need the risk and proposal layer.
Related
About Investipal
Investipal describes itself as front- and middle-office software for RIAs and wealth advisors of any size. It reads brokerage statements (PDF, PNG, JPG, XLSX or CSV, or through Plaid) and extracts holdings, transactions and embedded fees with per-cell source citations for advisor review. It scores clients across Portfolio, Behavior and Risk Capacity into a composite risk band the advisor can override with a documented rationale, builds proposed portfolios from the firm's model library, compares current and proposed portfolios (fund look-through, fees, VaR, CVaR, capture ratios), stress tests across 14 historical scenarios and runs Monte Carlo simulations. A drag-and-drop proposal studio adds AI-generated commentary and shares proposals as a white-label client microsite; it also generates investment policy statements with e-signature, moves signed proposals into onboarding and handles AUM, flat, tiered and subscription billing. Client-portal performance reporting connects to Schwab today, with more custodians planned. Alpha, its in-app AI agent, builds proposals end to end, prepares portfolio-review decks before meetings, creates client collateral and extracts client facts from conversations to update the profile, with reusable skills and team playbooks. Investipal lists integrations with Salesforce, Wealthbox, Redtail, GReminders, Vega Minds, PreciseFP, SideDrawer, Elements, Schwab and Altruist, says it is not a custodian and serves firms in the U.S. and Canada, and says outputs are drafts for advisor review.
Check before choosing Investipal
- Client-portal performance reporting connects to Schwab today; confirm your custodians
- Ask which modules (proposals, IPS, onboarding, billing, Alpha) your quote includes
- Review every AI-built proposal and IPS before it reaches a client; Investipal says outputs are drafts
About StratiFi
StratiFi says its AI extracts positions from any custodian statement for instant portfolio analysis, then builds proposals and investment policy statements with e-signature. Its PRISM risk score rates portfolios on a 1-10 scale across volatility, correlation, tail risk, beta and concentration, and its compliance dashboard monitors accounts for Reg BI, mutual fund share-class, concentration and suitability issues. It supports alternatives, structured products and annuities, and calls itself a 3x T3 All-Star.
Check before choosing StratiFi
- Pricing is by account count; estimate how many accounts you'll analyze
- Ask about the API if you want to connect other tools
- Check the IPS and e-signature workflow against your compliance process
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FAQ
Investipal vs StratiFi: which is better for financial advisors?
Investipal is best for rias and planners in the u.s. and canada who want statement-to-proposal-to-onboarding-to-billing in one system; StratiFi is best for firms that want statement-to-proposal workflows plus automated compliance monitoring. StratiFi publishes pricing (From $5,995/yr); Investipal sells by quote. Book demos of both and test them on your real workflow.
What is the difference between Investipal and StratiFi?
Investipal: Advisor platform from statement scan to risk profile, proposal, IPS, onboarding and billing, with Alpha, an in-app AI agent. StratiFi: AI wealth platform for RIAs: statement extraction, risk profiling, proposals, IPS and compliance alerts.
Is Investipal or StratiFi cheaper?
StratiFi publishes pricing (From $5,995/yr); Investipal sells by quote.
Which is cheaper, Investipal or StratiFi?
StratiFi publishes prices: $5,995 a year for Essential with 500 accounts, up to $39,995 for Platinum (checked October 30, 2026). Investipal says pricing is available on request with no public price list, so get a quote for the same scope before comparing.
Do both create an investment policy statement?
Yes. StratiFi includes RTQ, proposal and IPS on every plan. Investipal generates a client-specific IPS from the client record, with e-signature and recipient tracking.
Which one handles billing?
Investipal. It configures AUM, flat, tiered and subscription fees and collects by ACH, card or investment account. StratiFi doesn't list billing.
Can either monitor accounts for compliance issues?
StratiFi's compliance dashboard monitors accounts for Reg BI, share-class, concentration and suitability issues. Investipal offers AI-driven engagement that monitors holdings against thresholds you set and drafts commentary for follow-up.