AI Account Aggregation Agent

An Account Aggregation Agent pulls each client's full financial picture into one place, custodial and held-away accounts alike, then keeps the data clean and current as feeds break and balances change. It gathers and maintains the data; the adviser works from a complete view.

Tecla builds and operates it in your environment, feeding your CRM, planning, and reporting tools, under the controls your firm already answers to.

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The shift underway

Account aggregation is the data foundation everything else in the practice sits on, and firms rank it their top technology priority. The numbers show how central it has become and where it still falls short.

74%

of advisers have adopted account aggregation, among the highest of any advisor technology.

Source: Kitces Research

#1

factor advisers weigh when selecting technology is data aggregation capability.

Source: Cerulli Associates

30–60%

of a client's net worth often sits in outside accounts a firm cannot see without aggregation.

Source: RIA operations research, 2026

How it works

What runs inside

Aggregated data decays the moment a feed breaks or a balance goes stale, and keeping it clean is quiet, constant work. The agent does that maintenance continuously, so the data flowing into planning and reporting can actually be trusted.

01

Connect

Establishes and holds connections to each client's institutions, custodial feeds and held-away accounts alike, through direct data connections wherever they exist.

Reaches the accounts
02

Normalize

Turns inconsistent data from thousands of institutions into one clean, consistent format, so downstream systems receive numbers they can rely on.

Cleans the data
03

Feed Watch

Watches every connection for the breaks, stale balances, and format changes that silently corrupt an aggregated view, and catches them before they reach a client report.

Catches the breaks
04

Reconnect

Attempts to restore broken feeds automatically and, when a client re-authentication is needed, prepares the request for the adviser to send.

Restores the flow
05

Distribute

Pushes the clean, current data into the CRM, planning, and reporting tools that depend on it, so the same numbers appear everywhere at once.

Feeds the stack

Human in the loop

The agent keeps the data flowing, but it never hides a problem. Broken feeds, stale balances, and accounts needing a client re-authentication are surfaced to the adviser, so no one builds a plan on numbers that quietly went wrong.

Scoped to you

This is a typical account aggregation build. The exact parts are scoped to how your firm runs: which custodians and institutions your clients use, which downstream tools consume the data, and how you want exceptions handled.

See what this would look like built around your portfolio operation.
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Related agents

How it reaches production

Built, run, and owned, one phase at a time

An aggregation setup that works in a demo can still leave broken feeds and stale data across a real book. A scoped brief, a named team, and someone accountable at each stage are what keep this one reliable in production.

Sprint

Scope, fixed price

We map the institutions and feeds in scope, the tools that consume the data, and how exceptions are handled, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers build the agent inside your environment, wired into your custodial feeds, aggregation sources, and the CRM, planning, and reporting tools they feed.

AI Systems Lead
Run

Monitored and improved

The agent adapts as institutions change their connections, and we report against the metrics set at scope: accounts connected, feed uptime, data exceptions caught before reporting.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it holds the connections steady over time instead of degrading into the broken feeds that plague a set-and-forget aggregation tool.

Your team

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit.

‍ Book a scoping call
How it holds up

Reliable enough to build every plan on

Aggregated data that is quietly wrong is worse than no data at all, because every plan and report inherits the error. What makes this one dependable is the structure around it: how it connects, how it catches breaks, and how it flags what needs a person.

Reviewed by trajectory

Broken feeds never hide

When a connection breaks or a balance goes stale, the agent flags it rather than passing bad data downstream, so a report never shows a number that quietly stopped updating.

Human in the loop

Access without the credential risk

The agent uses direct data connections where they exist, and where a client must re-authenticate, it prepares the request rather than storing logins, avoiding custody exposure.

Tuned over time

It keeps the connections alive

As institutions change how they expose data, the agent is kept current, so feeds keep flowing instead of silently breaking.

Start the build

Give every plan a complete, current picture

A scoping call maps your aggregation sources and the tools they feed, returns what the agent would keep current, and prices the fixed-price Sprint to build it.

Talk to us

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What advisers ask about aggregation

What is an AI account aggregation agent?

It pulls each client's full financial picture into one place, custodial and held-away accounts alike, then keeps the data clean and current as feeds break and balances change. Tecla builds and operates it inside your environment, feeding your CRM, planning, and reporting tools with numbers advisers can trust.

How is it different from a data aggregation feed like Yodlee or ByAllAccounts?

Those provide the raw connections; the agent manages them. It watches every feed for breaks and stale balances, restores connections, normalizes the data, and pushes it downstream, closing the gap a raw aggregation feed leaves between the data arriving and it being usable.

Does it use client login credentials?

It uses direct data connections wherever they exist, and where a client must re-authenticate, it prepares the request rather than storing logins. That keeps the firm clear of the custody and cybersecurity exposure that credential-sharing creates.

What happens when a feed breaks?

The agent catches it and flags it rather than passing bad data downstream. It attempts to reconnect automatically, and when a client re-authentication is needed, it prepares the request for the adviser. No report quietly shows a balance that stopped updating days ago.

What does Tecla's account aggregation build cover?

Tecla scopes the build to your firm: which custodians and institutions your clients use, which downstream tools consume the data, and how you want exceptions handled. It runs inside your environment and Tecla operates it, so the connections stay healthy over time.

Where does the aggregated data go?

Into the CRM, planning, and reporting tools that depend on it, so the same clean, current numbers appear everywhere at once. Account aggregation is the data foundation the rest of the practice sits on, which is why keeping it reliable matters so much.

How is client data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Aggregated financial data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit. The Sprint maps your aggregation sources, the tools they feed, and your exception handling, so the agent that follows fits how your firm actually runs.

We already have an operations team. Where does the agent fit?

It takes the constant work of chasing broken feeds and cleaning data off the team, so their time goes to client work rather than reconciliation. Tecla builds and operates the agent alongside them, keeping every connection current.

How do we get started?

A scoping call maps your aggregation sources and the tools they feed, returns what the agent would keep current, and prices the fixed-price Sprint to build it. Book a scoping call with Tecla to start.

Have any questions?
Schedule a call to discuss in more detail.
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