Your Highest-Risk Client Hasn't Called Yet. Do You Know Who They Are?
CRED tells wealth management firms and financial institutions which relationships are quietly at risk, which coverage gaps are already exposing AUM, and which opportunities are ready to close. Before a client makes the call you never saw coming.
SOC 2 certified · GDPR compliant · Built for regulated environments.
BOOK OF BUSINESS HEALTH DASHBOARD
$8.7M
AUM at Risk
4
Coverage Gaps
$41M
Cross-Sell Ready
RELATIONSHIP HEAT MAP / RANKED BY CHURN RISK
Harrington, M.
$4.2M AUM
31
HEALTH
Patel, S.
$2.8M AUM
49
HEALTH
Morrison, T.
$1.9M AUM
54
HEALTH
Chen, L.
$6.1M AUM
87
HEALTH
Abramowitz, J.
$8.3M AUM
91
HEALTH
THE PROBLEM
Two problems. One platform.
For branch leadership and performance managers: your advisors' books are generating signals about which clients are at risk, which are ready to expand, and where the coverage gaps are exposing AUM. Most of those signals are invisible until a client calls a competitor.
For advisors and relationship managers: three out of four clients considered leaving their advisor in 2023, with lack of communication as the leading driver. The clients most likely to leave rarely announce it. They disengage quietly, reduce contact, and move assets after the decision is already made.YCharts Advisor Client Communication Survey, 2024
CRED surfaces both in one platform, before either costs you.
Fragmented Signals
Static records, no forward-looking view
Client risk buried in disconnected CRM records
No forward-looking signal on engagement decline
Coverage gaps invisible until client calls a competitor
AUM at risk visible only as a snapshot, not a trend
Life events and interaction signals invisible outside your CRM
Prospecting built on intuition and manual research
CRED Intelligence Layer
Unified relationship intelligence, live
Every client relationship scored and ranked by health
Engagement velocity tracked as a leading churn indicator
Coverage gaps surfaced and quantified in AUM exposure
AUM at risk modeled with direction and acceleration
Life event signals and client interactions matched to every relationship
Prospecting pipeline scored by ICP fit and readiness
HOW IT WORKS
From signal to decision in one platform.
Know which client relationships need attention before they show up in your numbers. CRED unifies your first-party data with external intelligence across 50M+ companies, 700M+ contacts, and consumer profile matching that surfaces the signals no internal system captures on its own.
STEP 01
Connect
Unify everything. Live in days, not months.
200+ data connectors unify your CRM, email, calendar, and meeting history with external intelligence, including consumer profile matching that connects life event signals and brand engagement back to the specific relationships in your book. Nothing about a client goes unseen and nothing your CRM misses stays invisible.
STEP 02
Score
Rank every relationship.
Proprietary scoring models rank every client relationship and every prospect in your pipeline. Coverage gap scores built on engagement velocity, last contact date, and churn risk signals. Cross-sell readiness scores built on product gap analysis vs peer cohort. AUM at risk trend modeling that shows direction and acceleration. Every score explained, every signal traceable, every recommendation ranked by the opportunity it represents.
STEP 03
Surface
Deliver at the point of decision.
Dashboards give your branch leadership a unified book health view. Relationship heat maps give your advisors a ranked, signal-enriched view of every client. Prospecting pipelines give your business development team a scored list of opportunities ready to convert. Every view built for the person accountable for the outcome, from the branch leader running the full book to the advisor managing a single relationship. CRED sits on top of your existing systems. No rip and replace, no new workflow to mandate across your advisor team.
WEALTH MANAGEMENT & ADVISORY
Every signal your book is generating. Finally in one view.
You are accountable for the number. CRED gives you a unified view of every relationship in your book, every coverage gap exposing AUM, and every signal that tells you where the number is going before it moves.
One view of your entire book. Built for the people accountable for it.
AUM at Risk Modeling
Not a snapshot. A trend with direction and acceleration. CRED tracks the AUM at risk across your entire book, flagging which clients are showing deteriorating engagement, declining sentiment, and increasing churn probability. CRED tells you whether that exposure is growing, stable, or resolving. Every coverage gap is an ROI question. The cost of losing a client runs well beyond the AUM itself when you account for the time, effort, and opportunity cost of replacing them.
AUM AT RISK / 8-MONTH TREND
ACCELERATING ↑CRED Alert: 3 clients in At Risk stage. No clients in Acquisition. Pipeline critical.
Client Lifecycle Distribution
Where is your book positioned for the next twelve months? CRED maps every client to a lifecycle stage: Acquisition, Established, Deepening, Retention, and At Risk, with AUM at each stage and alerts when the distribution signals a structural problem. Zero clients in Acquisition with three in At Risk is not a coincidence. It is a pipeline signal that requires action now, not next quarter.
CLIENT LIFECYCLE DISTRIBUTION
Acquisition
0 clients$0Established
4 clients$12.4MDeepening
6 clients$18.9MRetention
3 clients$7.2MAt Risk
3 clients$8.7MCRED Alert: 3 clients in At Risk. No clients in Acquisition. Pipeline critical.
Coverage Gap Detection
Four gaps detected. $33.7M AUM exposed. CRED identifies every client relationship where contact frequency has fallen below threshold, engagement velocity is declining, and churn risk is elevated, and quantifies the AUM exposure in a single figure your leadership team can act on. Not a list of flagged records. A dollar figure with a ranked action list behind it.
RELATIONSHIP HEAT MAP / FULL BOOK VIEW
$33.7M EXPOSEDHarrington, M.
Last contact: 47 days ago · AUM $4.2M
Patel, S.
Last contact: 39 days ago · AUM $2.8M
Morrison, T.
Last contact: 31 days ago · AUM $1.9M
Williams, D.
Last contact: 28 days ago · AUM $24.8M
Referral Attribution
Most advisors know referrals drive their best new business. Few can tell you which client relationships are generating introductions, which advisors are converting at the highest rate, or which referral sources have the highest long-term AUM potential. CRED tracks every prospect in your pipeline back to its source and scores the referral relationships worth investing in.
REFERRAL ATTRIBUTION TREND
TOP REFERRAL SOURCES
Chen, L.
4 referrals · $18.2M AUMAbramowitz, J.
3 referrals · $14.7M AUMKim, P.
2 referrals · $9.1M AUM83% of pipeline sourced from client referrals
We'll map the coverage gaps and AUM at risk in your book live, using your data.
Know which clients need your attention before they decide they're not getting it.
Your clients are telling you how they feel about your relationship through every interaction: meeting frequency, email response patterns, calendar engagement, and the questions they stop asking. CRED reads those signals so you know which relationships are strong, which are drifting, and which need a call today.
Relationship Heat Map
Every client in your book ranked by churn risk. Engagement score, last contact date, AUM, and coverage gap status visible in one view. Clients showing early departure signals are flagged before they have made the decision to leave. Declining engagement, extended contact gaps, reduced meeting frequency. These are the patterns CRED detects before they become a conversation you have to explain to your branch manager.
RELATIONSHIP HEAT MAP / YOUR BOOK
Harrington, M.
$4.2M AUM
Patel, S.
$2.8M AUM
Morrison, T.
$1.9M AUM
Chen, L.
$6.1M AUM
Abramowitz, J.
$8.3M AUM
Cross-Sell Readiness Score
Which clients in your book are underserved relative to comparable relationships? CRED maps product gaps against a peer cohort ranked by AUM and readiness score, surfacing the clients most likely to respond to an expansion conversation and identifying which products or services are most relevant to each one. Not a generic upsell flag. A scored, ranked recommendation built on how similar clients at similar AUM levels have deepened their relationships.
CROSS-SELL SURFACE MAP
Harrington, M.
44
READINESS
$4.2M AUM · Product gaps vs peer cohort:
Patel, S.
38
READINESS
$2.8M AUM · Product gaps vs peer cohort:
Morrison, T.
31
READINESS
$1.9M AUM · Product gaps vs peer cohort:
Prospecting Pipeline Scored by ICP Fit
CRED scores every prospect in your pipeline by ICP fit, referral source, and AUM potential before you pick up the phone. Know which conversations are worth having and which relationships are generating your highest-value introductions, so every new business call starts with context, not cold.
PROSPECTING PIPELINE / ICP FIT
$41M combined AUM potentialWhitmore, A.
Source: Abramowitz referral
AUM potential: $12.4M
91
HotOkafor, B.
Source: Chen referral
AUM potential: $8.7M
84
HotNakamura, R.
Source: Event
AUM potential: $19.9M
77
WarmAI Insight: 3 hot prospects with $41M combined AUM potential
Submit 5 clients or prospects. We'll return a full intelligence report within 48 hours.
HOW TEAMS USE IT
Three Moments Where CRED Changes the Outcome
Morning Book Review
Open the heat map. See which clients have fallen below contact threshold and have declining engagement scores. Cross-reference against key lifecycle moments: equity events, anniversaries, and portfolio milestones. Fifteen minutes. Every coverage gap closed before it becomes a loss.
MORNING PRIORITY VIEW
Harrington, M.
Last contact: 47 days ago
Patel, S.
Last contact: 39 days ago
Morrison, T.
Last contact: 28 days ago
Chen, L.
Last contact: 8 days ago
Quarterly Performance Conversation
Walk in with the full book health view. AUM at risk trend, lifecycle distribution, coverage gap exposure in dollars, and referral attribution showing which advisor relationships are generating the most productive new business. Every number sourced. Every action item specific.
BRANCH-LEVEL DASHBOARD / Q1 REVIEW
AUM at Risk Trend
+$3.2M
Growing ↑
Coverage Gaps
4 clients
$33.7M exposed
Lifecycle Distribution
3 At Risk
0 Acquisition
Referral Conversion
83%
↑ 12% QoQ
End of Quarter New AUM Push
Filter the prospecting pipeline by ICP fit score, referral source quality, and AUM potential. Cross-reference against clients whose cross-sell readiness score has moved above threshold in the past thirty days, and prospects whose engagement has increased in the past sixty. This is the list your team works when the number needs to move.
EOQ PRIORITY LIST / ICP FIT + CROSS-SELL OVERLAY
Whitmore, A.
Pipeline · AUM potential: $12.4M
Harrington, M.
Cross-sell · AUM potential: $4.2M
Okafor, B.
Pipeline · AUM potential: $8.7M
$25.3M combined AUM potential in ranked action list
FINANCIAL INSTITUTIONS & COMMERCIAL
The accounts most likely to churn are already showing you. CRED makes sure you see it.
For commercial banks, lenders, and financial institutions managing large books of business accounts, CRED surfaces the accounts quietly heading toward a credit event, a churn decision, or an escalation. Weeks before they arrive.
Act on the signal. Not the outcome.
Sentiment Deterioration
NPS trend analysis and interaction sentiment scoring that flags accounts showing early dissatisfaction signals weeks before they escalate to a formal concern.
Ticket Volume Escalation
Support ticket velocity and resolution time trending that identifies accounts where the pattern of issues signals elevated churn risk or credit event probability.
ARR at Risk Trend
Directional modeling of ARR at risk with acceleration flagging across your entire portfolio. Know whether exposure is growing, stable, or resolving, not just what it is today.
Engagement Velocity
Rate of change in account contact patterns, product usage, and stakeholder engagement as a leading indicator of churn risk. Surfaced as an account-level score, continuously updated.
ACCOUNT RISK OVERVIEW
Meridian Capital
⚠ Sentiment dropped
Thornton Group
⚠ Ticket volume rising
Langford Partners
⚠ Declining engagement
Eastbrook Advisors
Whitfield Associates
CRED DATA ADVANTAGE
Intelligence built specifically for financial services. Not adapted from somewhere else.
FS-SPECIFIC DATA MODELS
| DATA POINT | WHAT IT TELLS YOU |
|---|---|
| Coverage Gap Score | Clients with declining engagement and contact frequency, quantified as AUM exposure |
| AUM at Risk Trend | Directional modeling of at-risk AUM with acceleration flag, not just a snapshot |
| Client Lifecycle Stage | Acquisition through At Risk stage distribution with pipeline alerts |
| Cross-Sell Readiness Score | Product gaps vs peer cohort ranked by AUM and likelihood to convert |
| Referral Attribution Score | Pipeline sourced by referral relationship with conversion rate and AUM potential |
| Relationship Engagement Velocity | Rate of change in client contact patterns as a leading indicator of churn risk |
CRED PLATFORM COVERAGE
50M+
Companies in the intelligence database
700M+
Contacts tracked globally
200+
Data connectors
4.6B
Consumer profiles
MARKET CONTEXT / ILLUSTRATIVE
$159T
Global AUM under advisory
13.7%
Avg projected AUM growth in 2025
20%
of clients leave their advisor within the first year. 25% leave within the first two years.
Etrade Advisor Services - Client Retention Report, 2019
3 in 4
clients considered leaving their advisor in 2023, with lack of communication as the primary driver.
YCharts Advisor Client Communication Survey, 2024
61%
of clients say a lack of trust would cause them to leave their advisor.
Logica Research and CapIntel - Investor Engagement Survey 2025
5x
Acquiring a new client costs significantly more than retaining an existing one, making every coverage gap a direct ROI question for your practice.
Industry directional benchmark
Your Highest-Risk Client Hasn't Called Yet. CRED Shows You Who They Are.
The signals are already there. The coverage gaps are already accumulating. The clients most likely to leave your book in the next ninety days are already showing the early indicators. CRED makes those signals visible, ranked, and actionable before a client makes the decision you never saw coming.
EXECUTIVE BRIEFING
What you'll walk away with:
A live coverage gap assessment using your book profile, your market, and your client base, showing you the AUM at risk, the cross-sell opportunities, and the prospecting intelligence CRED surfaces before you commit to anything.
Schedule Executive BriefingSAMPLE REPORT
What you'll receive:
Submit 5 clients or prospects. Within 48 hours CRED returns a full intelligence report including relationship health signals, coverage gap assessment, cross-sell readiness, and market intelligence on each. No cost. No obligation.
Get a Sample Report