For IFAs & Independent Advisors

Institutional-grade
evaluation.
Your brand. Your clients.

The evaluation capability that private banks and family offices have always had — AI-powered, independently verified, delivered under your name. Give your clients a quality of analysis they have never seen before. Without building it yourself.

Request a Demo Evaluation
See How It Works →
55-factor framework AI-powered · Human-verified Your brand on every output ₹25,000 / year
CAS_PARSER · LIVE
›parse_cas("Ketan_Gupta_CAS.pdf")
Reading CAMS + KFintech consolidated statement...
Why Partner With The Unfinished

What changes for your practice
from Day 1.

🏛
Institutional depth. No institutional cost.
The evaluation capability that Kotak Private Banking and Julius Baer use internally — now available to your practice. Without the team, the tech investment, or the conflict of interest.
🏷
Your name on every output.
Every Layer 1 diagnostic and Layer 2 client summary carries your branding. Your client sees your practice, your name. The Unfinished works behind the scenes.
🔒
Zero conflict. Full trust.
The Unfinished holds no distribution license. Earns zero commissions. Has no products to sell. The evaluation is structurally independent — which makes you structurally trustworthy.
⚡
48-hour turnaround.
Upload client data. Our AI pipeline parses, enriches, and evaluates across all 55 factors. Human analyst verifies every finding. Report delivered in 48 hours. Under 30 minutes of your time per client cycle.
🔌
Portal upload or API.
Send clients a secure one-time upload link. Or if you already have structured data, connect via REST API with webhook callbacks. Evaluations at scale — no manual data entry.
📊
Six communication assets per client.
WhatsApp message, client email, 1-page briefing PDF, meeting agenda, action summary card, quarterly update note — all generated automatically. Ready to send in minutes.
The Architecture

Two layers. Same data.
Two different conversations.

Every evaluation produces two outputs — one for you, one for your client. You review the full picture privately first. Then you deliver the client summary in your voice, through whichever channel works for your relationship.

LAYER 1 — ADVISOR ONLY
Full Diagnostic
Complete 55-factor findings — every grade, every observation, including findings that require a difficult conversation.
Advisor accountability data — benchmark drift, churn signals, overlap patterns. Data, not accusation.
Talking points for each finding — tested language to present findings constructively. You walk in prepared.
Prioritised action register — what to fix, in what order, with estimated impact. You decide what to lead with.
⚠ NOT FOR CLIENT DISTRIBUTION
LAYER 2 — CLIENT FACING
Your Client's Forward Plan
Same factual data as Layer 1 — grades, percentages, fund names. Locked. Cannot be edited.
Framing shifts to forward — not "what went wrong" but "what we are fixing together." Same facts, constructive direction.
Evaluation credibility section — explains independent evaluation to the client. Positions you as the advisor who commissioned it.
Action register in client language — what to do, by when, and expected benefit. Client leaves with a clear plan.
✓ DATA LOCKED · YOUR BRAND · YOUR VOICE
The data lock: All grades, percentages, and fund names in Layer 2 are pulled directly from the evaluation engine — they cannot be edited. Your client also has independent access to the original full report via The Unfinished's portal. This creates a trust backstop that keeps the process honest for everyone.
How It Works

From client conversation
to delivered report — 6 steps.

1 · INTAKE
2 · DATA & API
3 · AI ENGINE
4 · LAYER 1
5 · LAYER 2
6 · TOOLKIT
STEP 1 OF 6
Client Intake &
Scope Definition
You lead this conversation with your client using our intake form and scope framework. ~15 minutes. You run it your way.
~15 minutes · Your conversation · Your style
What happens at intake:
1
Define scope
MF only, or all 8 asset categories. Fixed at intake and signed off.
2
Set context
Retirement horizon, goals, risk appetite, known concerns. Grounds the evaluation in the client's life.
✓
Data consent signed
Clear consent form before any document is shared. Client knows exactly what's being analysed.
Next: Data & API →
STEP 2 OF 6
Data Ingestion —
Portal or API
Client uploads via secure portal link — or you push structured data via REST API. Our parser handles the rest automatically.
Encrypted · Auto-parsed · 48h to delivery
PORTAL UPLOAD
⬆
One-time secure link to client
Client attaches CAS, demat, insurance statements. Auto-parsed on receipt.
PDF · XLS · CSV · AES-256 encrypted
API INTEGRATION
⚡
Connect your existing platform
Push structured data from your CRM. Trigger evaluations programmatically at scale.
REST API · JSON · Webhook callbacks
PARSED OUTPUT · STRUCTURED JSON
{
"client": "Ketan Gupta",
"folios": 16,
"transactions": 847,
"aum_inr": 7380000,
"direct_plans": 100,
"overlap_flags": ["HDFC Bank", "Reliance", +3]
}
← BackNext: AI Engine →
STEP 3 OF 6
AI Engine Runs —
So You Don't Have To
55-factor evaluation runs automatically. Live data enrichment. Human analyst verifies every finding before delivery.
AI-powered · Human-verified · 48 hours
The 5-stage evaluation pipeline:
📥
INGEST
CAS parsed via portal or API
›
🔍
ENRICH
Live NAV, benchmark, peer data
›
⚙️
SCORE
55 factors graded A–D
›
👁
VERIFY
Senior analyst reviews all findings
›
📤
DELIVER
Layer 1 to you first
Tap any category to see what's evaluated inside:
Cost Architecture8 factors
▼
Portfolio Structure7 factors
▼
Overlap & Redundancy5 factors
▼
Advisor Quality★ Human8 factors
▼
Risk Calibration7 factors
▼
Goal Alignment8 factors
▼
Insurance & Protection★ Human7 factors
▼
Estate & Legal★ Human5 factors
▼
★ Human — requires analyst judgment, not just data processing
← BackNext: Layer 1 →
STEP 4 OF 6 · ADVISOR ONLY
Layer 1 —
Your Full Diagnostic
You receive the complete, unfiltered evaluation first. Private to you. Review, prepare your position, decide how to sequence the conversation.
⚠ Not for client distribution
What Layer 1 contains — for your eyes only:
Complete 55-factor findings
Every factor graded. Every observation documented. Including findings that implicate past decisions — framed as data, not accusation.
Advisor accountability observations
Churn signals, benchmark drift, overlap patterns. Written to help you prepare responses, not to create conflict.
💡 Talking points for each finding
Suggested framing for the client conversation — tested language that presents findings constructively.
Prioritised action register with sequencing
What to fix, in what order, with estimated client impact. You decide which actions to lead with.
← BackNext: Layer 2 →
STEP 5 OF 6 · CLIENT FACING
Layer 2 —
Your Client's Forward Plan
Same factual data as Layer 1 — locked, immutable. Framing shifts entirely. Not what went wrong. What we are fixing together.
Data locked · Your name on it · Your voice
What Layer 2 contains — and what makes it different:
Factual findings — forward framed
Same grades and numbers as Layer 1. Language reframed: "Your cost discipline is exceptional" and "Here is what we are streamlining" — same facts, constructive direction.
Evaluation credibility section
Explains independent evaluation to the client — 55 factors, zero commissions, no distribution license. Positions you as the advisor who commissioned this.
Action register — client language
What to do, by when, and the expected benefit. Written for a non-specialist. Client leaves with a clear, prioritised plan.
The data lock: All grades and fund names are pulled directly from the evaluation engine — cannot be edited. Your client also has independent access to verify. This keeps the process honest for everyone.
← BackNext: Toolkit →
STEP 6 OF 6
Multi-Modal
Communication Toolkit
Six communication assets — auto-generated the moment the evaluation is complete. Ready to use. Under 30 minutes per client cycle.
Findings locked · Your voice · Your brand
Six assets — one for every channel:
WHATSAPP
150 words. One finding, one implication, one CTA. Sent Monday, meeting booked by Wednesday.
CLIENT EMAIL
300–500 words. Personalised intro, 3 key findings as opportunities, call to action for a meeting.
1-PAGE PDF
Top 5 findings, grade, 3 priority actions. Sent before the review meeting so the client arrives prepared.
MEETING AGENDA
Findings ranked by priority with suggested talking points. You walk in prepared, never scrambling.
ACTION CARD
Prioritised actions with timelines and expected impact. Client takes this away as a record of commitment.
QUARTERLY UPDATE
Drift, new flags, completed actions since last evaluation. Keeps engagement alive between annual cycles.
<30
Minutes per client cycle. 15 clients = 60–90 hours saved annually. No additional headcount.
← BackSee Pricing →
Tier 2 & 3 India

The IFA in Nashik is as important
as the IFA in Mumbai.

India's wealth creation over the last decade has been disproportionately concentrated outside the four metros. The IFA in Surat, Ludhiana, or Coimbatore is often the most trusted financial professional the family knows — and the one most in need of institutional-grade tools. The Unfinished was built for that reality.

₹1–5Cr
Typical family portfolio in Tier 2/3 city — growing rapidly
1L+
Registered MFDs in India, most outside metros
0
Boutique advisory firms in most Tier 2 cities
48h
Delivery anywhere in India — no geography dependency
Pune
Maharashtra
Surat
Gujarat
Ludhiana
Punjab
Nashik
Maharashtra
Coimbatore
Tamil Nadu
Jaipur
Rajasthan
Indore
MP
Bhubaneswar
Odisha
Pricing

Start with a pilot.
Scale when you're convinced.

Three tiers — start with a pilot evaluation on one of your clients. No commitment until you've seen the output yourself. All tiers include the two-layer architecture and the full communication toolkit.

PILOT
Single Evaluation
₹25,000
per evaluation · no subscription
One full 55-factor evaluation for one client
Layer 1 + Layer 2 + full toolkit
Delivered in 48 hours
No commitment to subscribe
Request a Pilot →
ANNUAL SUBSCRIPTION
Your Evaluation Desk
₹25,000
per year · unlimited evaluations
Unlimited evaluations for your clients
Portal upload + API integration
Priority 48-hour turnaround
Quarterly monitoring alerts for enrolled clients
Your brand on all outputs
Subscribe →
PLATFORM
White-Label API
Custom
volume pricing · API access
REST API integration with your platform
Webhook callbacks for evaluation status
Bulk evaluation at scale
Dedicated integration support
Talk to Us →
Why Independence Matters For You

The evaluation is independent.
That makes you trustworthy.

The Unfinished holds no distribution license. Earns zero commissions. Has no products to sell. When you commission an independent evaluation for your client, you are the advisor who brought in a third party to verify your own work. That is a rare and powerful signal.

🚫
No Distribution License
We cannot sell any financial product to your client. Ever. Structurally — not aspirationally.
₹0
Zero Commissions
We earn nothing from AMCs, brokers, or insurers. Our only revenue is the subscription fee you pay.
🔒
Data Never Shared
Client data is used solely for the evaluation. Purged within 90 days of delivery. Never shared with any third party.
Take the First Step
Nominate one client.
We'll run the evaluation free.
Pick one of your clients with a mutual fund portfolio. We'll deliver a full evaluation — Layer 1 diagnostic and Layer 2 client summary — at no cost. See what the output looks like before you commit to anything.
Request a Free Demo Evaluation →