Wealth Management Due Diligence

Financial diligence for
Wealth Management M&A.

Diledge helps Wealth Management acquirers analyze financials, AUM and revenue quality to flag risks early — faster, more consistently, and more deeply with AI.

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Buyers need to understand recurring revenue quality, AUM trends, fee yield, client concentration, advisor-level dynamics, and retention risk. Standard diligence frameworks don't surface these — purpose-built workflows do.

Eight analysis areas designed specifically for Wealth Management and RIA acquisitions.

AUM Flows

AUM Rollforward & Flow Analysis

Track AUM movement by period. Separates organic growth from market appreciation — critical for defending projections at closing.

Growth

Organic vs. Inorganic Growth

Distinguish true organic net flows from acquired or transferred AUM. Identifies sustainable growth versus one-time events.

Key-Person Risk

Advisor Performance & Departure Risk

Advisor-level AUM concentration and departure scenario modeling. Quantifies AUM at risk — directly informs earnout and retention structures.

Client Book

Client Retention & Concentration

Client-level AUM concentration, tenure cohort analysis, and retention patterns. Distinguishes sticky from transactional AUM.

Revenue

Run-Rate Revenue Build

Current AUM and fee tier waterfall to a defensible run-rate revenue figure. Accounts for fee schedule breakpoints and AUM mix shifts.

Breakdown

Revenue by Client / Household / Advisor

Revenue attribution across dimensions — household, advisor, account type. Surfaces dependencies and concentration before they become post-close surprises.

Verification

Client Billings-to-Contract Reconciliation

Tie actual client billings back to fee schedules and contracts. Identifies overbillings, underbillings, and fee schedule drift.

QoE

QoE and Adjusted EBITDA

Non-recurring items, compensation normalization, and EBITDA adjustments — structured to support IC presentations and lender packages.

Pre-LOI financial review of a Wealth Management or RIA target
QoE support for RIA acquisitions
AUM and Revenue quality analysis ahead of IC presentation
Run-rate billings analysis for purchase price and earnout design
AUM and billings data tape review for platform or add-on acquisitions

Have an upcoming WM / RIA acquisition?

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Or email: contact@diledge.ai