The 2025 AdviceTech Competition Finalists: Who's Leading the Future of Financial Technology?

We know that getting the word out about groundbreaking tech that will transform the industry is no easy feat. That’s why we created a space where the best ideas rise to the top. At XYPN, we’re building a Network where members have access to the best RIA tech solutions that empower fee-only advisors to live their best lives. 

Each year, we invite startups, early-stage innovators, and established companies launching new RIA-focused tech to apply to compete in the annual AdviceTech Competition. The mission? To find the tools that solve real problems for real financial planners, and to bring them center stage at XYPN LIVE 2025 in Austin, TX.

For our advisor community, the competition means early access to emerging tools that make running an independent RIA possible. For fintech companies, it’s an opportunity to build visibility within a Network that values client-centric technology.

In 2025, we renewed our commitment to highlighting the “Tools for the Modern Advicer”,  technology that makes delivering real financial plans easier, more profitable, and more human. This year’s finalists reflect that mission. Their solutions improve workflows, automate communication, and simplify core business tasks. 

Meet the Finalists Shaping Financial Services

The 2025 AdviceTech Competition finalists represent a diverse range of solutions for financial advisors. The applications were impressive, and our panel hand-picked six innovative solutions that empower planners to run better businesses and actively engage clients in co-creating their financial plans. Each finalist will give a seven-minute demo of their tech on the Expo Stage at XYPN LIVE on Friday, September 26th.

 So, without further ado, say hello to the six finalists of the AdviceTech Competition: 

• FinDash — AI -Native Financial Planning Software
• FINNY AI — AI Prospecting Tool 
• Impruve — AI-Native Operating System
• Vitals AI — AI-Powered Firm Analytics
• Waterlily — Long-Term Care Solution for Fee-Only Advisors

• YourStake — General AI Personal Assistant

FinDash 

FINNY AI

FINNY is an AI-powered prospecting and marketing platform built exclusively for financial advisors. By leveraging advanced data intelligence and automation, FINNY helps advisors effortlessly identify, prioritize, and engage high-intent prospects, removing the guesswork from client acquisition. With a proprietary database of millions of records, a predictive F-Score matching engine, and automated outreach tools, FINNY helps ensure that prospecting is targeted, scalable, and seamlessly integrated into an advisor's workflow.

FINNY will conduct a live walkthrough of the platform, from running a search to finding high F-Score leads and automating the outbound outreach to those leads.

Impruve

Impruve is an AI-native operating system purpose-built for RIAs. We transform advisor inputs, like meeting notes, emails, and voice memos, into a Compounding Context Engine that lets advisors tap into AI's evolving superpowers at the right place, time, and with the right context. Our three core pillars include: (1) Agentic Back Office Staff, (2) Relationship Intelligence, and (3) a pre-informed Content Studio. Consider us your "AI Strategy Easy Button."

Vitals AI

Vitals AI is an AI-powered practice management tool to help advisors monitor the health of their advisory practices.

Vitals Reporting provides comprehensive reports and key performance indicators by integrating data from advisor CRM and portfolio management systems. Our platform eliminates the need for manual data exports, merging, and complex integrations, allowing financial advisors to effortlessly monitor their practice's health.

Using Vitals Intelligence, advisors can identify growth opportunities, potential practice risk factors, and key metrics that impact firm valuation. They can then leverage these powerful insights to make data-driven decisions that optimize practice performance and strategic planning and improve their firm's valuation.

Waterlily

Waterlily's new Quote-and-Apply module makes long-term-care planning as simple as any other portfolio decision. In one meeting, you can compare self-funding with every traditional, hybrid, or annuity-based LTC policy on the market; our AI tests thousands of possible insurance combinations against your client's projected care costs and instantly highlights the best-value mix - no insurance license or carrier training required. 

When the client is ready, Waterlily auto-fills the application, provides real-time underwriting feedback, and collects e-signatures in minutes, turning a process that used to take months into an hour-long conversation. Everything lives inside the platform and can feed back to your CRM, so you keep control of the relationship while adding a high-impact new planning capability. Quote-and-Apply launches for XYPN advisors this September, and early access is filling fast.

YourStake

Founded in 2019 and driven by innovation, YourStake provides a comprehensive platform for financial advisors that leverages AI to streamline workflows and deliver personalized, values-based investing solutions. We offer a suite of tools, including AdvisorCore, which uses AI to assess portfolios, generate proposals, and automate administrative tasks like note-taking, document extraction, and data analysis. Additionally, the ValuesCore and VADIS solutions enable advisors to align investments with clients' individual values through in-depth screening, reporting, and customized direct indexing. Overall, YourStake aims to save advisors time, enhance client engagement, and facilitate the growth of their practices through technology-driven personalization.

IntelligentAdvisor is an AI-powered platform for RIAs that unifies diverse client data, including meeting notes, emails, and financial documents like tax returns and trusts, into a single CRM-linked profile. We will showcase this complete view, with the tool to automatically generate insights, provide tailored portfolio recommendations, and flag potential inconsistencies across all data sources. By consolidating multiple tech tools and automating routine data tasks, IntelligentAdvisor will save advisors significant time while improving accuracy, compliance, and client outcomes. This creates a single source of truth for every decision, streamlining workflows from start to finish.

Key Themes in Financial Technology

These finalists showcase how advisor technology continues to evolve to meet the changing needs of independent financial advisors and their clients.

Trend #1: AI and Automation

Artificial intelligence is transforming how advisors handle routine tasks. Five out of the six finalists use AI to evolve the tools in the financial advisors' tech stack and make finding, keeping, and delivering value to the right clients seamless. This isn’t AI to be flashy, it’s automation that actually works.

Trend #2: Data where it Counts

These tools aren’t just new additions to your tech stack. The most impactful tools consolidate key data from across your firm, CRM, planning, portfolio, and operations, and turn it into insights you can use to run a better business. It’s not about having more data but about having the right data in the right place.

Trend #3: Firm Growth 

These platforms help fee-only advisors grow their firms by surfacing new client opportunities, strengthening client relationships, and unlocking smarter ways to scale. Whether you’re solo or building a team, these tools are designed to support your next stage of growth.

The Future of Financial Technology

As AI continues to grow, advisors have a real opportunity to offload routine tasks and reclaim time for what matters most: building real relationships with clients. And it couldn’t come at a better time. While client expectations may shift, the demand for personal, relevant advice remains constant. The human touch isn’t going anywhere—tech just makes it easier to deliver that value at scale.

XYPN LIVE 2025 is bringing all of these technologies to the Expo Stage on September 26th, 2025. It’s one more way we’re helping XYPN members find the right tools to build the firm they want and serve clients on their own terms.