What this is (and isn’t)

A quick classification framework to match your temperament and goals to the right independence path build your own RIA, supported independence, or joining an existing RIA.

Note: This is educational and not legal advice. Treat it as a primer so you can ask better questions of counsel.

Key takeaways

• Match the model to your operator appetite, not your frustration level.
• Supported independence often wins on speed-to-launch without giving up ownership.
• Joining an existing RIA can be the best path when you want to stay client-facing.
• Building your own RIA is ideal when control and equity are non-negotiable.
• Use a scorecard: control, economics, support, speed, risk tolerance.

The four archetypes

• The Builder: wants control and equity.
• The Producer: wants to stay client-facing.
• The Scaler: wants leverage and team growth.
• The Specialist: wants a niche brand and autonomy.

Model match

Choose the path that minimizes your biggest constraint (time, risk, operator burden) while maximizing your non-negotiables (control, economics, client experience).

Disclosure

RIA Confidential is an educational resource center. Nothing on this page is legal, tax, or compliance advice. Consult qualified legal and compliance professionals for guidance specific to your circumstances.