Why RIAs Need White-Label Net Worth Tracking in 2026

The Problem Every RIA Faces

Your clients are comparing you to Robinhood.

Not because they want to day-trade — but because they expect a modern, real-time view of their complete financial picture. They want to open an app, see their net worth, and understand where they stand. And they want it branded with your name, not some third-party service they've never heard of.

The problem? Building that tool costs $100,000+ and 6-12 months of development. For a firm managing $100M-$500M in AUM, that's not a reasonable investment in technology.

So most RIAs end up with two bad options:

Send clients to a third-party app (Mint, Empower) — which means your brand disappears and a competitor captures your client's attention
Build something in-house — which means hiring developers, managing infrastructure, and maintaining a product that isn't your core business

There's a third option that didn't exist a few years ago.

What White-Label Net Worth Tracking Actually Means

White-labeling means you get a fully-built net worth tracking platform that looks and feels like your product. Your logo. Your colors. Your domain. Your clients never know there's a technology partner behind the scenes.

Here's what that includes:

Your domain: wealth.yourfirm.com (or any domain you own)
Your branding: Logo, color scheme, and company name throughout
Your AI assistant: A branded AI that answers your clients' financial questions
Bank connections: Plaid integration with 12,000+ financial institutions
Real-time tracking: Net worth, assets, liabilities, investments — all updating automatically
Security: Bank-level encryption, SOC 2 certified infrastructure, audit logs

Your clients get a modern financial dashboard. You get a competitive advantage without a development team.

The Economics: Build vs. Buy

Let's compare the real costs.

Option 1: Build In-House

Cost Item	Estimate
Senior full-stack developer (6 months)	$75,000-$100,000
Plaid integration + banking compliance	$10,000-$25,000
Infrastructure (hosting, security, SSL)	$5,000-$10,000/year
Ongoing maintenance (bugs, updates, compliance)	$30,000-$50,000/year
Year 1 total	$120,000-$185,000
Ongoing annual cost	$35,000-$60,000

And that's assuming your first hire is good. One bad architecture decision sets you back months.

Option 2: White-Label Platform

Cost Item	Estimate
Monthly platform fee	$299-$1,999/month
Setup time	48 hours
Ongoing maintenance	$0 (included)
Year 1 total	$3,588-$23,988
Ongoing annual cost	Same

White-labeling costs 5-50x less than building, and you're live in days instead of months.

What to Look For in a White-Label Partner

Not all white-label platforms are created equal. Here's what matters:

1. True White-Labeling (Not Just a Logo Swap)

Some platforms slap your logo on their product and call it "white-label." Real white-labeling means:

Custom domain with SSL
Your branding in every screen, email, and notification
No mention of the platform provider to your clients
Your own app icon and PWA

2. Bank-Level Security

Your clients' financial data is sensitive. Your platform partner needs:

SOC 2 Type II certified infrastructure
256-bit encryption at rest and in transit
Plaid for bank connections (the industry standard)
Audit logs for compliance

3. AI That Actually Helps

In 2026, a financial dashboard without AI feels incomplete. Look for:

Natural language Q&A about finances ("What's my biggest expense this month?")
Automated categorization of transactions
Net worth forecasting and scenario modeling
Anomaly detection (unusual spending alerts)

4. Pricing That Scales With You

Avoid platforms that charge per user — it kills your margins as you grow. Look for:

Flat monthly fee with user tiers
No hidden charges for features
Annual discount option
30-day pilot to validate before committing

Who's Using White-Label Net Worth Tracking?

White-labeling is most common among:

Registered Investment Advisors (RIAs): Differentiate from robo-advisors with a branded client portal
Family offices: Offer holistic wealth tracking across complex, multi-entity structures
Credit unions: Provide modern digital tools to compete with big banks
Fintech startups: Add net worth tracking to existing platforms without building from scratch

How to Get Started

If you're considering white-label net worth tracking for your firm, here's a realistic timeline:

Day 1: Schedule a demo. See the platform with your branding applied in real-time.
Day 2-3: Provide your logo, colors, and domain. We configure everything.
Day 3-7: Review your branded platform. Request any adjustments.
Day 7+: Invite your first clients. Support and updates are ongoing.

Most firms are live within a week. Some within 48 hours.

The Bottom Line

Your clients expect modern tools. Building them from scratch doesn't make financial sense. White-labeling gives you a best-in-class product under your brand at a fraction of the cost.

The question isn't whether to offer net worth tracking — it's whether your clients discover it through you or through someone else.

Nova Galaxy is a white-label net worth tracking platform for financial institutions. Learn more about pricing and features →