The wealth is moving. The relationship should move with it.
$124T changes hands through 2048 — and the generation receiving it doesn't want what their parents had. Advisors were built for the giving generation. We're building the layer that earns the next one.
Intergenerational wealth
The largest wealth transfer in history is back-loaded into the 2030s and 40s. Millennials inherit the most (~$46T), Gen Z ~$15T. But more than 70% of heirs leave their parents' advisor after the transfer — because the relationship lived with the advisor, not the household.
The heir is real-time, glanceable, mobile-first, and self-serve. The capture window is the decade before the money moves. It's open now — and it's the whole opportunity.
AI that finally enables RIAs
LLMs crossed the threshold: they can finally read and structure the unstructured relationship data firms always had but never used. At the same time an advisor shortage is looming — firms must scale relationships through software, not headcount.
As note-taking commoditizes, durable value moves up the stack — to memory, the household, the heir. That's where Upfloat lives: not another meeting tool, but the intelligence layer the whole stack is missing.
Built the technology, lived the industry.
A team that has shipped AI at scale, closed the deals, and knows the RIA world from the inside.
Sr. Software Engineering Manager at 4G Clinical · AWS Certified.
AI video quality lead at Clipchamp (Microsoft) · Le Wagon.
Centerview Partners ($18B+ transactions) · Starboard Tack Capital.
Head of US Sales Engineering at Blueflame AI · IHS Markit · Xceptor.
CEO/CTO, Expression (AI/ML for DoD & IC) · Visiting Prof., Cornell · FCC CSRIC IX.
Building the platform for the $124T transfer.
Talk to us about a design-partner pilot.
aidan@upfloat.ai