Kyle Wiggs

Partner at UX Wealth and Thor Financial Technologies. Helping advisors and clients create better outcomes.

[Kyle Wiggs @1KyleWiggs]

I spent this week arguing that bolting third-party AI onto wealth management is a compliance time bomb.Then both AI giants proved it. Same week.Anthropic's own report: Claude was weaponized by Russian and Chinese state hackers. Compromised 40+ Microsoft tenants in 34 hours. AI agents did "nearly all of the work."OpenAI's disclosure today: six cases of their own models going rogue. One rewrote its own instructions. Another fabricated data. Another uploaded files to the public internet.This is the technology the industry is connecting to your client's money, CRM, and custodial accounts.I asked Anthropic's Financial Services team what executes. They sent a webinar link.Own the execution layer or find out what "misalignment" means the hard way.

[Civly @getcivly]

I read all 9,600 public reviews of the major co-parenting apps. Then we built this.

Full study: https://t.co/qiUggX8YPu

[Kyle Wiggs @1KyleWiggs]

@getcivly is the app redefining how coparents interact. So many legacy platforms don't even try — they document the fight, charge both parents for it, and hold the records ransom.

I know because I lived it. And because I just read all 9,600 of their app store reviews.

Divorce sucks. Co-parenting doesn't have to. Follow along — receipts start tomorrow.

[Aakash Gupta @aakashgupta]

Five forest elephants don't "stampede." They execute a defensive protocol rehearsed over 30 million years.

What happened in Gabon: cows with a calf, thick rainforest, a hunter and his PH moving through their escape corridor. The matriarch signals through infrasonic rumbles below 20Hz, frequencies that travel through the ground for up to 10 kilometers and that human ears cannot detect. Every adult in the group received the threat coordinate before the hunter's brain registered her shape in the undergrowth.

Forest elephants were formally split from savanna elephants as a separate species in 2021. Smaller bodies, straighter tusks, denser habitat, and a population that collapsed 86% in 30 years. Every adult cow alive today has been hunted, shot at, or watched a relative killed. Threat recognition in this species runs deep.

Cynthia Moss's 50-year dataset at Amboseli showed elephants distinguish human voices by ethnic group, predicting which humans historically hunted them. Lucy Bates's work showed they do the same by scent. Clothing worn by known hunters triggers defensive clustering. Clothing worn by researchers does not.

Ernie had killed elephants across Africa before this trip. Whatever residual markers a lifetime hunter carries, forest matriarchs are a species wired to notice.

He paid $40,000 for a shot at a yellow-backed duiker, a forest antelope that weighs 150 pounds. He walked into a rainforest with a shotgun because Gabonese law blocked his own rifle for the duiker hunt. The animals that killed him weren't the animals he was hunting.

Five cows and a calf in thick forest is the most defended formation in African wildlife. Operating at a frequency he couldn't hear. In a habitat where sightlines end at 20 feet. Carrying species memory that runs back to the first rifle.

Biology wins anyway.

[Aakash Gupta @aakashgupta]

The gaze was the lagging indicator. The 200 IQ part is what was happening before kickoff.

Pierluigi Collina graduated from Bologna with an economics degree in 1984 and spent his career as a financial advisor. Refereeing was the side hustle. He picked it up in 1977 because a friend suggested it. Within three years he was officiating top regional matches.

The alopecia hit in 1984, when he was 24. He lost all his hair in 15 days. Same window he was climbing the Italian football pyramid.

Here's the part nobody copied. Collina prepared for matches the way a hedge fund prepares for an earnings call. Before every game he studied which foot each player favored, every coach's tendencies when their team was losing, the history between the two clubs, who had bad blood with whom. He wanted to know the next move before the player made it.

That's why the stare worked. He was looking at a striker the way someone looks at an opponent whose hand they've already seen. Refs don't prep this way. Players couldn't con him because he'd already read the page.

The record: six consecutive IFFHS World's Best Referee awards from 1998 through 2003. The 1999 Champions League final. The 2002 World Cup final, Brazil vs Germany. Before kickoff in Yokohama, Oliver Kahn told the Irish Times that Collina was world-class but didn't bring him luck. Germany lost 2-0.

He retired in 2005, age 45. Not because he slowed down. The Italian Federation barred him from top-flight matches over a sponsorship deal with Opel because Opel also sponsored AC Milan. He resigned on principle and went back to financial advisory.

Konami put him on the cover of Pro Evolution Soccer 3 and 4, alongside Totti and Henry. The only referee in video game cover history.

The stare was the output. The homework was the moat.

[Kyle Wiggs @1KyleWiggs]

“This is the last price increase. We promise. (Again.)”

They promised that last year too.

— riskDNA | No Joke coming April 1

[Kyle Wiggs @1KyleWiggs]

— riskDNA | No Joke coming April 1

— riskDNA | No Joke coming April 1

[Kyle Wiggs @1KyleWiggs]

— riskDNA | No Joke coming April 1st

[Kyle Wiggs @1KyleWiggs]

— riskDNA | No Joke coming April 1

[Kyle Wiggs @1KyleWiggs]

"We value our advisor relationships... that's why we're raising prices again."

$450/mo. Annual increases. Auto-renew. We've all gotten that email.

— riskDNA | No Joke coming April 1

[Kyle Wiggs @1KyleWiggs]

— riskDNA | No Joke coming April 1

[Kyle Wiggs @1KyleWiggs]

We don't just give advisors better tech. We take a $30M practice and make it look and operate like a $300M institution. New brand. New website. AI-powered ops. Full rebrand. Nobody else does this. Nobody.

[Kyle Wiggs @1KyleWiggs]

FINRA 26-03 is live. Negative consent transfers just got easier. If your TAMP is banking on switching friction to keep you — that moat just got thinner. April is going to be interesting.

[Kyle Wiggs @1KyleWiggs]

We built our entire platform in 4 years. No PE money. No billion-dollar R&D budget. Just obsession with making advisors faster, cheaper, and better. Sometimes the scrappy team wins.

[Kyle Wiggs @1KyleWiggs]

Orion's Denali AI has been "coming soon" for over a year. Meanwhile we're live. Shipping every week. 100+ models. Real-time risk. 4 custodians. At some point "coming soon" just means "not coming."

[Kyle Wiggs @1KyleWiggs]

— riskDNA | No Joke coming April 1

Five minutes to reduce a client’s entire financial life to a single number. We’ve all been there
.

“Our questionnaire takes just 5 minutes... of your life you’ll never get back.”

[Kyle Wiggs @1KyleWiggs]

Honest question for RIAs: What's the one thing your TAMP does that actually makes you money? Not "nice to have." Not "we use it sometimes." What feature directly drives revenue? I'll wait. 👇

[Kyle Wiggs @1KyleWiggs]

"This helpful add-on is only $99/mo extra."

Risk. Compliance. Proposals. Reporting. Each sold separately. $450/mo before you've helped a single client.

— riskDNA | No Joke coming April 1

[Kyle Wiggs @1KyleWiggs]

15 years in this industry. The advisors who win aren't the smartest stock pickers. They're the ones who removed every piece of friction between them and their clients. Tech is either your weapon or your cage.

[Kyle Wiggs @1KyleWiggs]

Nitrogen says advisors trimmed equity exposure in Feb even as client confidence hit 83%.

Cool stat. But proposal data doesn’t tell you which managers actually protect the downside.

Performance data does. That’s the gap.