Complex account opening

Open every account in a complex household in one flow

Catch NIGOs before you submit.

Feathery helps RIAs and broker-dealers open every registration type, from joint accounts to trusts and LLCs with non-US owners, collecting what each custodian requires in a single pass.

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Wealth firms already run their workflows on Feathery
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Why trust and entity accounts come back NIGO

Every custodian starts from the same federal rules, then adds its own thresholds, forms, and signature requirements. Ops teams track those differences in checklists and memory, so the largest, most complex relationships are the ones most likely to stall.

Where custodian requirements diverge
RequirementFederal baselineWhere custodians differ
Beneficial ownership25%+ owners plus a control personSome channels go down to 10% owners
TrustsTrustees and grantor identifiedTrustee and certification detail vary
SignaturesNo single standardNotary, medallion, or e-signature by form
Non-US clientsW-8 series tax statusResidency documents and acceptance vary

Capture the household once

One household can hold a revocable trust, a family LLC, and the individual accounts beside them, often with the same people in different roles. Feathery collects each person once, maps them to every account they touch, and builds the right paperwork for each custodian.

  • Trustees, beneficial owners, control persons, and signers mapped to each account
  • Client details prefilled from your CRM and earlier onboarding
  • One client experience for documents and e-signatures
See data gathering and account openings →

From complex household to clean submission

1

Capture once

Enter the household, its entities, and the people behind them a single time.

2

Apply the rules

Requirements follow the entity type and the destination custodian, so the right forms and documents show up for each account.

3

Catch gaps early

Missing owners, signers, certifications, and documents are flagged before submission, not after a rejection.

4

Submit clean

Send custodian-ready paperwork in one step, with a full audit trail of what was collected and why.

Built for the hard accounts

Trusts

Revocable, irrevocable, and statutory trusts, with trustees, grantors, and the certification format each custodian accepts.

Entities

LLCs, partnerships, corporations, foundations, and nonprofits, with beneficial owners and control persons identified to each custodian's threshold.

Non-US clients

Non-US individuals and entities, with W-8 tax status, residency documents, and the extra review international accounts need.

Layered structures

An LLC owned by a trust, or entities owned by other entities, with beneficial owners traced through every layer.

45%

faster custodial account opening

“In wealth management, the onboarding experience sets the tone for the entire client relationship.”
Ryan Mahoney, Vice President, Business Systems, Sequoia
Read the Sequoia story →

Made for multi-custodian teams

For UHNW and family office practices, RIAs and broker-dealers working across custodians, and firms taking on more complex accounts as they grow.

  • Custodian and entity requirements kept in one place, not in checklists
  • Robin, Feathery's AI operations assistant, helps you update workflows when a custodian changes a form
  • Client document collection and e-signature in the same flow
  • Client data prefilled from Salesforce and your other systems
Security shield connected to the systems Feathery integrates with

Built for compliance-sensitive firms

Feathery helps you submit complete, consistent paperwork. Your custodians still make the final call on AML, KYC, and account acceptance.

  • SOC 2 Type II, HIPAA, and GDPR compliant
  • Full audit trail for every account, document, and signature
  • Your firm's own requirements layered on top of each custodian's
  • Issues surface before submission, while they're still easy to fix

See where your complex accounts get stuck

Send us 5 to 10 recent problem accounts, redacted. We'll show what could have been caught before submission.

Get a free NIGO audit

Works with your custodians and CRM

Works across Schwab, Fidelity, Pershing, Raymond James, and Goldman Sachs, and connects to the rest of your stack through the same integrations as every Feathery workflow.

View all 150+ integrations →

Power every stage of the client journey

Data gathering and account openings

Collect client data, prefill custodial paperwork, and open standard accounts in good order.

Learn more →

AI meeting automation

Turn client meetings into structured data, tasks, and a prefilled start to account opening.

Learn more →

Advisor transitions and repapering

Be transition-ready on day one, across custodians and your tech stack.

Learn more →

Frequently asked questions

Opening accounts for clients whose ownership goes beyond one or two people: trusts, LLCs, partnerships, corporations, foundations, and non-US clients. These accounts need more people identified, more documents, and more signatures, and each custodian handles them a little differently.

Usually something small is missing or inconsistent: a beneficial owner the custodian needs but the federal rule doesn't, a trustee certification in the wrong format, a signature that needed a medallion stamp, or tax forms that don't match the residency documents.

Schwab, Fidelity, Pershing, Raymond James, and Goldman Sachs. Feathery collects what each custodian and clearing firm requires in a single pass.

No. Custodians make the final call, including AML and KYC review. Feathery checks each submission against the custodian's requirements before it goes out, so your team catches gaps while they're still easy to fix.

Send 5 to 10 recent problem accounts, redacted, or walk us through one worst-case structure on a 20-minute call. We'll show what could have been caught before submission and estimate the rework it cost.

No. Complex accounts run on the same Feathery platform as your data gathering and standard account opening, and connect to your CRM and custodians through the same integrations.

Feathery is SOC 2 Type II, HIPAA, and GDPR compliant, and keeps a full audit trail for every account, document, and signature.
Free NIGO audit

Fewer gaps. Less rework. Better account opening.

Send 5 to 10 recent problem accounts, redacted, or walk us through one worst-case structure on a 20-minute call.

  • What could have been caught before submission
  • Where your custodians' requirements tripped up the paperwork
  • An estimate of the rework it cost your team

Request your free audit

Tell us about your firm and the accounts that give you the most trouble.

Get your free audit

No client data needed to get started.