For RIAs & Financial Advisors

The AI your compliance officer won't flag.

In local mode, Hey Eduardo runs entirely on your Mac. Client portfolio data, financial plans, meeting notes, and confidential communications never leave your device. No AI vendor receiving client data — which makes your Reg S-P and FINRA review far simpler.

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The Problem

FINRA, the SEC, and your insurance carrier all want answers about your AI use.

In December 2025, FINRA's annual report flagged AI as an emerging enforcement focus. Reg S-P amendments now require vendor protections for AI-handled data. Most firms can't answer where their AI inputs actually go.

SEC Reg S-P amendments

Effective December 2025 (larger firms) / June 2026 (smaller). Requires vendor contracts to include confidentiality provisions that protect client data from AI training and unrelated processing.

FINRA 2026 Annual Report

For the first time, FINRA explicitly flagged “agent-based AI risks” as an enforcement focus. Existing rules apply unchanged to AI-generated content and AI-assisted client communications.

AI insurance exclusions

Some insurers now attach AI exclusions. W.R. Berkley's “absolute” AI exclusion, for example, reaches D&O and fiduciary liability policies. Documented AI governance is easier to show with local AI than with cloud APIs.

The Solution

An AI that runs in your office — not in someone else's data center.

Hey Eduardo's AI model lives on your Mac. When you summarize a client meeting, explain a tax-loss harvesting strategy, or draft a quarterly review, in local mode the data is processed on your Mac. No vendor receives it. No model trains on it. No regulator has to ask where it went.

This is a materially different compliance posture than cloud AI. The underlying question of “does our AI vendor contract meet Reg S-P” is replaced with “there is no AI vendor.” That answer is easier to document, easier to defend, and easier to insure.

Schwab data (2026): 63% of registered investment advisors now use AI tools — more than doubled since 2023. Most firms have not updated their policies, contracts, or supervisory procedures to match.
✓ Local AI model on your hard drive
✓ No vendor processing client data
✓ No AI vendor contract to review
✓ Easier supervision under Rule 3110
✓ Cleaner E&O underwriting profile
✓ Apple Silicon (M1–M5)
✓ One-time purchase from $49
By the Numbers

The shift is here. Most firms aren't ready.

63%
of RIAs now use AI tools — more than double 2023 (Schwab, 2026)
1 in 10
advisors using AI have fully integrated it into their business strategy (Schwab, 2026)
$4.44M
global average cost of a data breach in 2025 (IBM)
Common Questions

What advisors ask before they switch.

Does Hey Eduardo meet SEC Reg S-P requirements?

Reg S-P requires vendor contracts to protect client data from AI training. In local mode, Hey Eduardo sends the data to no vendor, so there is no AI vendor contract for the rule to cover. The rest of your Reg S-P obligations still apply.

How does this work with FINRA Rule 3110 supervision?

AI-assisted client communications happen entirely within your firm's controlled environment. Supervision is easier than with cloud AI because local mode makes no external API calls to monitor.

Can I use it with client CRM data, financial plans, or custodial reports?

Yes. Highlight any text from any application — eMoney, RightCapital, MoneyGuide, Orion, Tamarac, Salesforce, your custodial portal — and ask Eduardo about it. In local mode, the data is processed on your Mac.

What about the new E&O AI exclusions?

AI endorsements typically require documented governance. Local AI gives you a clean answer: in local mode, the model runs on your hardware with no third-party data transmission.

The fiduciary-grade AI architecture.

One-time purchase from $49. 14-day money-back guarantee. Apple Silicon Macs only.

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