For RIAs & Financial Advisors

The AI your compliance officer won't flag.

Hey Eduardo runs entirely on your Mac. Client portfolio data, financial plans, meeting notes, and confidential communications never leave your device. SEC Reg S-P compliant. FINRA-aligned. Your fiduciary duty intact.

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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.

E&O AI exclusions

Effective January 2026, multiple major carriers introduced absolute AI exclusions. AI endorsements require documented governance — easier to prove 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, the data is processed locally. 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
✓ Reg S-P contract question moot
✓ Easier supervision under Rule 3110
✓ Cleaner E&O underwriting profile
✓ Apple Silicon (M1–M4)
✓ 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 2x growth since 2023
52%
of financial planning professionals use generative AI
$5.08M
average breach cost in professional services (IBM/Ponemon)
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. With Hey Eduardo, there is no vendor receiving the data — compliance is structural, not contractual.

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 there are 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. The data is processed locally.

What about the new E&O AI exclusions?

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

The fiduciary-grade AI architecture.

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

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