Real-Time
Risk intelligence for every client portfolio
Connect your client’s positions. CapitalRAG analyzes them, checks every holding against new SEC filings as soon as they’re published, and answers your questions with sources you can share with the client.
10-K · 10-Q · 8-K · S-1 · S-4 · Forms 3, 4, 5 · 13F
For RIAs, broker-dealers, planners, private wealth, asset managers, trust officers, OCIOs and family offices.
Limitless AI meets messy client data.
AI is acceleration. AI is possibility. AI is limitless. But AI is not useful if data quality is missing.
Client positions arrive from different custodians in different formats. Filings get amended and restated. Most AI tools answer anyway.
When a client’s money is involved, that gap is the difference between advice and a guess.
Incomplete
Positions without identifiers, accounts left out of the household view.
Inconsistent
The same company as a ticker at one custodian and a name at another. Filings that restate.
Stale
Last quarter’s holdings presented as today’s. 13F data lands up to 45 days after quarter end.
CapitalRAG was built the other way around: data quality first, intelligence second.
See it through your clients’ portfolios.
Choose a client type. See what CapitalRAG finds in that portfolio, how it finds it in SEC filings, and why it matters for the client and for your practice.
One stock is 22% of the household, more than double the IPS limit.
- Insiders sold three times this quarter; two sales were not under pre-planned 10b5-1 plans.
- The latest 10-Q added a risk factor on losing the company’s largest customer.
- Top institutional holders have cut their stake two quarters in a row.
- Positions · 2 accounts
Shares in both accounts resolved to one SEC CIK and combined into one exposure.
- Form 4 × 3
Officer sales; the 10b5-1 box is unchecked on two of them.
- 10-Q · Item 1A
New customer-concentration risk factor, compared with the prior 10-K.
- 13F · last 2 quarters
Largest institutional holders reduced positions.
For the client
A single company’s bad news could set their retirement date back years. This is the risk they are least likely to see on their own.
For your practice
Proactive, documented advice on the client’s biggest risk. The filing trail goes straight into the client file.
Your next move
Propose a staged, tax-aware diversification plan and walk the client through the insider and risk-factor evidence.
A household risk brief, ready before the meeting.
- Ranked by severity. A restatement warning comes before routine news, so the first page is what matters.
- Written for the client. Plain language, with the dollar and percentage impact on their household.
- Sourced line by line. Every finding names the filing and item it came from.
- Your recommendation, your words. You add the advice. The brief and its sources go into the client file.
Household Risk Brief
Chen household · 2 accounts · Prepared Nov 2, 2026
One stock is 22% of your household, above your 10% limit
If this company fell 30%, your household would lose about 6.6% of its value.
Positions · 2 accounts · IPSCompany executives sold shares outside pre-planned programs
Two of three recent sales were not under 10b5-1 trading plans.
Form 4 × 3 · Oct 2026A new risk: dependence on one large customer
Added in the latest quarterly report. Not in last year’s annual report.
10-Q · Item 1AClient review prep today
- Export positions from each custodian and reconcile by hand
- Search EDGAR company by company for new filings
- Skim 10-Ks and 8-Ks hoping nothing was missed
- Rewrite findings in language the client understands
An afternoon per client, and coverage depends on who had time.
With CapitalRAG
- Connect the client’s positions once
- Holdings are matched to their SEC filings automatically, with every exception shown to you
- Risks are flagged by client, account and position
- Plain-language summaries with sources, ready for the meeting
Every client gets the same depth of review, not only the ones you had time for.
From a client file to a risk answer in five steps.
The position export you already have.
A CSV or Excel export from your custodian or portfolio system: account, symbol, shares and market value. CapitalRAG resolves names and tickers to SEC identifiers and shows you every correction it made.
| Account | Symbol | Shares | Mkt value | SEC CIK | Status |
|---|---|---|---|---|---|
| Joint · 4417 | AAPL | 1,250 | $268,400 | 0000320193 | Matched |
| IRA · 0932 | Nvidia Corp | 2,100 | $371,700 | 0001045810 | Name → NVDA |
| Trust · 7710 | MSFT | 640 | $318,200 | 0000789019 | Ticker cleaned |
| Joint · 4417 | AMZN | 900 | $196,900 | 0001018724 | Matched |
Every holding, checked against the filings that matter.
CapitalRAG focuses on the SEC filings that move risk for the companies your clients own, and checks them before they’re ever queried.
10-K: 60–90 days after year end
Annual and quarterly reports
Financial performance, risk factors, management discussion.
FOR YOUR CLIENTIs the business behind this holding getting weaker, and did its risks change?
Current reports
Material events, litigation, leadership changes. Ranked by item, so a restatement warning outranks routine news.
FOR YOUR CLIENTDid something happen this week that the client should hear from you first?
Registration statements
Securities offerings, mergers, capital structure changes.
FOR YOUR CLIENTWill new shares or a deal dilute or convert what the client owns?
Insider ownership reports
Insider transactions and ownership changes. Pre-planned 10b5-1 sales are separated from the rest.
FOR YOUR CLIENTAre the people running the company buying or selling?
Institutional holdings
Quarterly holdings of institutional investment managers.
FOR YOUR CLIENTIs the position crowded, or are large managers heading for the exit?
Source: U.S. Securities and Exchange Commission, EDGAR. 13F institutional holdings also via EDGAR Online.
Built for everyone responsible for a client’s portfolio.
Whether you advise one household or oversee hundreds of mandates, the job is the same: know what’s inside every portfolio, and be able to show how you know.
RIAs
Review every client household with the same depth, not only the largest relationships.
Sourced records that support your fiduciary duty of care.
Broker-dealers
Give every rep the same risk review across their client books, from one consistent process.
Documented reasoning to support best-interest recommendations.
Financial planners
Turn what’s in the filings into plain-language talking points for planning meetings.
Holdings risk connected to the client’s goals and timeline.
Private wealth managers
Watch executive and legacy stock positions for material events and insider activity.
Earlier, better-informed diversification conversations.
Institutional asset managers
Monitor 8-K events, insider trades and 13F ownership shifts across large portfolios.
Event and ownership signals without reading every filing.
Trust officers
One reconciled view across trust and beneficiary accounts, held at different custodians.
A clear, sourced record for trust reviews and beneficiaries.
OCIOs
Spot shared company exposure across client mandates and the direct holdings within them.
Investment committee materials with sources attached.
Family office managers
Consolidate holdings across entities, generations and custodians into one view.
Briefings principals can read in minutes.
You stay the advisor. CapitalRAG does the reading.
Sources on every answer
Each finding links to the filing and section it came from, so you can verify it before you say it.
A record of every review
Keep the question, the answer and the filings behind it with the client file for your compliance records.
Your judgment decides
CapitalRAG surfaces and explains risk. Recommendations stay with you and your client.
Before you connect a client file.
What do I need to get started?
The position export you already have: a CSV or Excel file with account, symbol or company name, shares and market value. CapitalRAG matches each holding to the company’s SEC identifier and shows you every correction it made.
Which holdings does it cover?
Companies that file reports with the SEC. Holdings without SEC company filings, such as Treasuries or municipal bonds, are listed as outside coverage, so nothing is skipped without you knowing.
How current is the information?
Filings are picked up as soon as the SEC publishes them. The timing depends on the filing: companies file an 8-K within four business days of a material event and insiders file a Form 4 within two business days of a trade, while 13F holdings arrive up to 45 days after quarter end.
Does CapitalRAG make recommendations?
No. It finds, explains and sources risk. The advice, and the decision, stay with you and your client.
Can I use it in my compliance records?
Each review keeps the question, the answer and the filings behind it, so you can file a sourced record with the client’s review.
How is client data handled?
Ask us for our security and data-handling documentation before you connect client data. We’ll walk your compliance team through it.
Real-Time
risk intelligence for every client portfolio.
Schedule a 30-minute demo and see it on one of your own client files: every holding checked against new SEC filings, with sourced answers.
- 30-minute video call
- Bring a client file if you like
- No commitment