Richard Rios

Enterprise fintech, risk & compliance, strategic partnerships.
Built a $115M practice from zero.
Now building agentic AI for regulated work.

[Richard Rios @RichardRiosAI]

Anything a model must never do has to be enforced by permissions, not requested in the prompt.

An instruction is a preference. A permission is a guarantee.

If your AI vendor's security story is "we told it not to" — that's not a security story.

[Richard Rios @RichardRiosAI]

Eighteen months, seven escalation layers, and a log I built by hand: https://t.co/jrWzqjCOs0

[Richard Rios @RichardRiosAI]

I made eighty calls today.

How many actually happened? I couldn't tell you.

The phone system stopped producing ringback — the thing that broke was the thing that told me it was working.

Before handing work to AI: who finds out when it fails?

[Richard Rios @RichardRiosAI]

Don't rank AI projects by what's expensive to do.

Rank them by what's cheap to check.

Verification cost — not task difficulty — decides what an AI system can safely own. Code compiles or it doesn't. A strategic memo needs an expert to read every word. Build accordingly.

[Richard Rios @RichardRiosAI]

Taking my own medicine: https://t.co/kwdt4pAH9a

[Richard Rios @RichardRiosAI]

I built a tool that scores workflows for AI delegation.

Made it take its own test before shipping.

It failed — by its own rubric, an LLM can't be trusted to write public verdicts unreviewed.

So v1 shipped with zero model calls. Every verdict is code.

The tool is the advice, taken.

[Richard Rios @RichardRiosAI]

Every vendor demo runs on the vendor's setup, with the vendor's data, by the people who built it.

A benchmark is just a demo with a number attached.

[Richard Rios @RichardRiosAI]

For anyone interested in the full argument, here's the field note that inspired this post:

https://t.co/8pXzujqKkK

[Richard Rios @RichardRiosAI]

I spent 14 years in regulated finance, where "same input, same output" was sacred. Every control I built assumed it. LLMs broke that contract—and most enterprises haven't noticed what that costs them yet.

[Richard Rios @RichardRiosAI]

Deciding when to claim Social Security isn't a quick math calculation -- it's a high-stakes retirement move that can shape both your monthly income and how long your money lasts. The smartest answer depends on more than just the size of the check. https://t.co/0TX5tPk6bp

[Richard Rios @RichardRiosAI]

2026 is set to bring big policy shifts that could affect markets—and your portfolio. Here are seven trends our strategists are watching. https://t.co/zH22DR6GWc

[Richard Rios @RichardRiosAI]

Have small-cap stocks gone from one extreme to the other? They have been outperforming the broad market recently, but the small-cap trade could ultimately disappoint. https://t.co/p7xrFCCVuH

[Richard Rios @RichardRiosAI]

As you prepare to file your 2025 taxes, let's discuss opportunities to implement additional tax-efficient strategies to your financial plan. https://t.co/SWy7mybiaO

[Richard Rios @RichardRiosAI]

As we enter 2026, one thing is clear: Policy continues to drive markets more than ever before. Anticipated policy actions this year span political, economic, and regulatory domains, highlighting the interconnectedness of policy and market dynamics. https://t.co/nmiDI3AKqY

[Richard Rios @RichardRiosAI]

US equities rebounded Wednesday as geopolitical tensions eased. Read more in the 1% Move report. https://t.co/yKvbXcplXd

[Richard Rios @RichardRiosAI]

Investor optimism remains sky high, but is the market on solid ground? Let's discuss risk-management strategies for your portfolio. Here's one helpful point of view: https://t.co/4iVhHNZiyU

[Richard Rios @RichardRiosAI]

Saving for retirement? Consider these strategies to help reduce your taxable income and keep more of what you've saved. https://t.co/YIVWdWthlz

[Richard Rios @RichardRiosAI]

US equities fell Tuesday as tariff concerns returned. Read more in the 1% Move report. https://t.co/uJzTFVV8JD

[Richard Rios @RichardRiosAI]

How do the U.S. and China stack up in the race for AI dominance? And where can investors find opportunities? Learn more here: https://t.co/8U4Gv8gpNF

[Richard Rios @RichardRiosAI]

Today we honor the memory and legacy of Dr. Martin Luther King, Jr. His vision of equality, hope and progress continues to inspire us and future generations.