Enterprise Scale
Define the size of your advisor population and planning revenue footprint.
Blended fee-for-planning revenue across your advisor base.
Proprietary Engineering & Maintenance Debt
The fully-loaded cost of sustaining an in-house billing engine.
Full-time equivalents assigned to maintain, bug-fix, or patch the proprietary billing engine.
Includes benefits, equity, and allocated overhead. Typically this is 1.2-1.5x of the role's base salary.
Estimated % of annual capacity spent on billing bugs, DB updates, security patches, and internal API connections.
Full-time equivalents responsible for testing and validating the proprietary billing engine.
Includes benefits, equity, and allocated overhead. Typically this is 1.2-1.5x of the role's base salary.
Estimated % of annual QA capacity spent testing billing flows, regression cases, and payment integrations.
Full-time equivalents handling advisor and home-office tickets related to the proprietary billing engine.
Annualized fully-loaded salary or hourly-rate equivalent for support personnel. Typically this is 1.2-1.5x of the role's base salary.
Estimated % of annual support capacity spent resolving billing system issues and advisor questions.
Security & Infrastructure Overhead
Annualized assurance costs for a homegrown payment platform.
Annual cost to scope, audit, and maintain a proprietary platform under SOC 2.
3rd-party vulnerability scans and PCI compliance on custom payment rails.
Regulatory Compliance & Home Office Burden
Legal, audit prep, and risk-reserve costs absorbed by your home office.
Hours/year spent tracking evolving SEC, FINRA, and state-level billing/custody rules.
Staff hours pulling manual logs, advisor invoices, and payment histories for SEC/FINRA requests.
Reserve fund for potential FINRA/SEC billing penalties, fee overcharge remediation, or security breach liabilities from home-grown tools.
The Friction Factor (Advisor Adoption)
Revenue eroded when advisors avoid clunky, non-integrated internal billing.
% of potential financial planning revenue lost to advisor resistance and abandoned invoices.