AI agents for financial services firms: advisers, planners and mortgage brokers. The agent answers "what do you charge?" and "how does the first meeting work?" from the answers you wrote, asks the pre-qualification questions you set, books the discovery meeting into a real slot in your calendar, and chases the quote or the application until there is a reply. It is instructed not to give financial advice or recommend a product, and every message it sends is kept with its source.
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A visitor on your website asks whether you work with people in their situation, what the first meeting costs, and how long a mortgage application takes. The agent answers from the Q&A pairs, the documents and the data points you loaded: your services, your process, your fees, your hours. It links only to the pages of your own site you allowed, such as the fee page or the "how we work" page, and it asks for an email address when the conversation is worth keeping.
The same agent answers the same questions on email, on text, on the phone and on Messenger, Instagram or WhatsApp, because it is one agent with one knowledge base. It is instructed not to give financial advice or recommend a product, and the instructions say what to do instead: explain that an adviser answers that in the meeting, and offer a time. Every reply is stored beside the material it was written from.
Client review reminders are the campaign every firm means to send and sends late. Pull the segment of clients due a review this quarter from your connected HubSpot or GoHighLevel, or upload a CSV, and run a sequence at it: an email from the adviser's own address, a text a week later if there was no reply, a second email the week after. Each step is a saved template with the client's details filled in, and each has its own delay and send condition.
The text step carries the sending window with its days, hours and time zone, the pace for the number, and the Reply STOP line. A reply of STOP or an unsubscribe on any channel ends the sequence on every channel and cancels anything queued. When a client replies "yes, next Tuesday works", the agent offers real open slots from the adviser's calendar and books the one they pick. The campaign shows its whole plan on a review screen and sends nothing until you press Start.
Connect Google Calendar, Microsoft 365, Calendly, HubSpot Meetings, Zoho Bookings, Acuity Scheduling, Cal.com or Square Appointments and the agent is given the real open slots for the week ahead. It offers a few of them in the conversation, and when the prospect picks one, that choice is checked against the slots that were offered, written to the calendar, and confirmed in the reply. It cannot book a time that was not free, and it cannot cancel an appointment it was not shown.
Every conversation on every channel lands in one inbox, newest first, tagged with the channel it came in on, with the booking against the contact. When a prospect asks something the agent must not answer, the thread is there for the adviser to pick up. Reply yourself and the agent stands down on that thread; hand it back when you are done and it picks up where you left it.
One row per contact shows every email, text, call transcript, recording, chat and DM in the order it happened, with the time it happened. Every reply the agent wrote is stored beside the material it was generated from: the Q&A pair, the data point, the document. When compliance asks what a prospect was told about fees on a given date, the thread and its source are there, not reconstructed from an adviser's memory.
The dashboard counts people rather than messages: how many the agent reached, how many replied, how many visited your site, how many booked or were marked won, with a value you set on each goal. A channel table shows where each person first made contact and which channel they were on when they booked, so you know whether the paid leads convert on the phone or on email before the next quarter's budget is set.
An adviser's week is taken up with clients. That is the job, and it is why the enquiry that arrived on Tuesday evening gets a reply on Thursday, and why the review reminders for the March cohort go out in April. Nobody in a small firm is neglecting the pipeline; there is simply no hour in which answering "what do you charge?" for the fortieth time is the most valuable thing an adviser could be doing. AI agents for financial services take that hour back. They answer the questions a firm answers the same way every time, ask the questions the firm needs answered before a meeting is worth having, and put the meeting in the calendar.
Bold Agent Kit gives a firm one agent per adviser, per office or per service line, on one account, with nothing shared between them. Each agent has a knowledge base you build from your own material: your services, your process, your fee structure, your hours, the pages of your own site it may link to, and the pre-qualification questions you want asked, in the order you want them asked. It works every channel a prospect might use: the website chat widget, the enquiries@ mailbox, a text on your number, a phone call on your Twilio number answered in real time, and the DMs on Messenger, Instagram, WhatsApp and eight other platforms. On every one of them it is the same agent, with the same answers.
It does not advise. The instructions tell it, in plain words, that it does not give financial advice, does not recommend a product, does not comment on the suitability of anything, and does not quote a rate it was not given as a data point. When a prospect asks "should I move my pension?" or "which lender is best for me?", it says that an adviser answers that in the meeting, and offers a time. It only says what you told it to say, and every reply it sends is kept with the material it came from, so the compliance file writes itself as the conversation happens.
Whether the wording of your answers, your pre-qualification questions and your reminders meets the rules you operate under, the FCA's in the United Kingdom, the SEC's or FINRA's in the United States, or those of your state or province, is your firm's responsibility, exactly as it is when a member of staff answers the phone. The software gives you the controls and the record. It is $25 a month for the whole account, unlimited agents, on an AI key you hold, with no per-message or per-seat charge. What the meetings are worth is yours.
The advice is good and the clients who arrive stay for years. Four things happen before they arrive, and none of them is about the advice.
A prospect fills in the form at 8pm, or messages on Instagram on a Saturday. The adviser sees it between meetings on Tuesday and replies properly on Wednesday. By then the prospect has spoken to another firm that replied in ten minutes, and the conversation that would have become a twenty-year client is happening somewhere else.
What do you charge, do you work with people like me, what happens in the first meeting, how long does a mortgage application take, do you deal with my lender. The answers never change. Somebody with a professional qualification types them out by hand, every time, in the hour that should have gone to a client.
Every client is due a review and every firm knows which month. The reminders are a mail merge somebody runs when they get a moment, so the March cohort hears in April, the reply that says "yes, book me in" sits in a shared inbox, and the review that was supposed to be the easiest meeting of the year becomes a chase.
When compliance asks what was said about fees before the meeting, the answer is in an adviser's sent folder, a text on a personal phone and a DM on Instagram, or in nobody's memory at all. Reconstructing one conversation takes an afternoon, and there is no version where the source of each answer is written down.
You build the agent once, from your own answers and your own questions. From then on it works every channel you connect it to, on its own, and hands the adviser a booked meeting with the answers already in the thread.
The knowledge base is your material: documents, Q&A pairs, data points for fees and hours, and the pages of your site it may link to. "What do you charge?" is answered from the fee page you loaded. "How does the first meeting work?" from the Q&A pair you wrote. It is instructed not to give financial advice or recommend a product, and what to say when asked: an adviser answers that, and here are three times.
The instructions carry the pre-qualification questions you want asked before an adviser's time is offered: what the prospect is looking for, a rough timeframe, whether they have worked with an adviser before, whatever your firm needs. Then it offers open slots from the connected calendar and books the one the prospect picks, checked against what was offered, written to the calendar, confirmed in the reply.
A quote that went unanswered, an application waiting on documents, a review that is due: each is a sequence across email, text and call, in your words, inside the hours you set. It stops the moment the person replies, books or opts out on any channel. Anything you named as a hand-over, a complaint, a vulnerable client, a question about advice, goes to the inbox with the agent standing down.
Each agent holds the mailbox it sends from: the adviser's own address, or the firm's enquiries@ mailbox, connected with an app password for Gmail or Outlook, or as an SMTP and IMAP host for anything else. Mail leaves through your own server, so the reputation stays on your domain, and replies come back over IMAP and are answered from the address they arrived at. A health score out of 100 shows SPF, DKIM and DMARC on the sending domain, seven days of real sends and bounces, and where its mail is landing, with the reasons listed.
Every campaign email carries a one-click unsubscribe. Anyone who uses it is added to a suppression list, skipped by every future send, and anything queued to them is cancelled. An opt-out on one channel stops the sequence on every channel. The agent replies once per thread, keeps to a daily cap per sender and hourly caps per channel, and ignores bounces, out-of-office replies and no-reply addresses. Every reply it sends is stored with the material it was generated from, which is what the compliance file needs and what no shared inbox has ever provided.
Each one answers a problem above, and each one runs without anybody in the firm remembering to do it.
The 8pm form and the Saturday DM are answered at 8pm and on Saturday, on the channel they arrived on, from your fee page and your process. The prospect who was going to speak to three firms speaks to you first, and has a meeting booked before the second firm has opened its inbox.
The three or four things you need to know before an adviser's hour is worth spending are asked every time, in the order you wrote them, and the answers are in the thread when the adviser opens it. No more first meetings that should have been a two-line email.
The decision in principle that was never followed up, the application waiting on a payslip, the review due in March: each gets a sequence that runs to its end unless the person replies, books or opts out. The agent never gets busy with clients.
Timestamps, transcripts, recordings, and the material each reply was written from, on one row per person. When compliance asks, it is a screen, not an afternoon.
Every send, reply, chat, call, booking and marked win is recorded against a person, and reported as a funnel per agent and across all agents. For a firm with several advisers, per agent means per adviser.
The funnel counts people rather than messages: how many the agent reached, how many replied, how many went on to visit your site, and how many booked or were marked won, with the total value won and the median time from first contact to the booking. Set a goal with a dollar value on a campaign, the initial fee for a new client or the value of a completed mortgage case, and a review reminder run or a lead follow-up sequence reports what it brought in, not how many emails it sent.
Below the funnel, a channel table shows where each person first made contact and which channel they were on when they booked, so you learn whether the paid leads convert on the phone or on email, and whether existing clients respond to the text or the letter-style email. One row per person shows the whole history in order. With a one-line snippet on your site, page goals and visit triggers close the loop: a known prospect returns to the fee page and leaves, and the agent follows up after a delay on the channel they last used.
Built from the cookie, email address and phone number attached to that contact, so activity months apart on different channels appears on one row.
Page goals and visit triggers require a one-line snippet on your website. Conversations, bookings and manually marking a deal won work without it.
Each of these is usually a separate service, a separate tool or a separate member of staff, and most of them are priced per conversation, per minute, per seat or per contact. Here they are one plan.
| The job | What it normally takes | Bold Agent Kit |
|---|---|---|
| Answering enquiries in the evening and at weekends | An answering service, or the adviser on their own phone | Included, from your own material |
| Live chat on the website | A chat vendor, priced per conversation, staffed by nobody after five | Included |
| Asking the pre-qualification questions | A paraplanner or an administrator, between other jobs | Included, your questions, every time |
| Getting the discovery meeting into the diary | A booking link in the email signature, and hoping | Included, the agent books the slot |
| Chasing quotes and applications | A case manager with a spreadsheet | Included, by email, text and call |
| Sending client review reminders on time | A mail merge somebody runs when they remember | Included, as a campaign with stop rules |
| A record of what each prospect was told | Sent folders, personal phones and memory | Included, each reply with its source |
| The AI itself | Metered per message, per minute or per credit | Your own key, billed by your provider at cost |
Bold Agent Kit is $25 a month, or $200 a year, for the whole account: every adviser's agent, every channel, no seat tiers, no per-message or per-minute charge. The only other costs are your AI provider's, typically a few dollars a month per agent, and your carrier's for texts and calls, which you would be paying anyway.
The same agent type covers all of these. Most firms run one per adviser or per service line, so each has its own diary, its own mailbox and its own numbers.
An advice firm with two or three advisers and a steady flow of enquiries from the website, referrals and the occasional paid campaign. The agent answers the questions about services, process and fees, asks the firm's qualifying questions, books the discovery meeting into the adviser's calendar, and hands the adviser a thread with the answers in it. AI for financial advisers, in the only form the compliance officer will sign off: it says what it was told to say and keeps the record.
A brokerage where the money is in the follow-up: the enquiry that went quiet, the decision in principle that was never acted on, the application waiting on a payslip and a bank statement. Mortgage broker lead follow-up is a sequence across email, text and call that runs until the applicant replies, and a text that says "we still need your last three payslips" on the day the case manager would have forgotten.
The existing book. Every client is due an annual review, every protection policy and fixed rate has an end date, and the reminder is the campaign that never gets sent on time. Pull the cohort out of the CRM, run a sequence in the adviser's own voice, and let the agent book the review when the client replies "yes".
Connect the tools you already run and the agent works them like an assistant would: it takes appointments straight into your calendar, writes notes and outcomes back to the CRM, and reads your store to see what somebody has bought before it answers them.
Bookings are real, not guesses. It is only ever given slots that are genuinely free, and it can only take one it actually offered — so it cannot invent a time or double-book you. The same connection pulls a segment of past customers into a list when you want to run a campaign at them.
HubSpot
GoHighLevel
Housecall Pro
ServiceTitan
Jobber
Google Calendar
Microsoft 365
Calendly
HubSpot Meetings
Zoho Bookings
Acuity
Cal.com
Square
Stripe
Shopify
WooCommerce
Wix
SquarespaceEach agent uses a model on your own API key, in the same way it sends from your own mailbox and your own phone number. Sixteen providers are supported: OpenAI, Anthropic, Gemini, xAI and Mistral; DeepSeek, GLM, Kimi, Qwen and MiniMax; Groq, Together, Fireworks and OpenRouter; and Ollama or any other OpenAI-compatible endpoint you host yourself.
Bring your own credentials and you own the whole stack: your model provider, your mailboxes, your carrier, your CRM. We charge for the software and nothing else — no token markup, no metering, no credit packs — so your provider bills you direct at their rates, usually a few dollars a month per agent.
OpenAI
Anthropic
Gemini
xAI
Mistral
DeepSeek
GLM
Kimi
Qwen
MiniMax
Groq
Together
Fireworks
OpenRouter
Ollama
Any OpenAI APIA new address sending forty cold emails a day gets filtered, and takes the domain with it. Mailboxes that opt into warm-up send each other ordinary mail on a ramp, starting at five a day. The receiving mailbox finds each message, moves it out of spam if it landed there, marks it read and replies to a share of them.
Each mailbox carries a health score out of 100 — SPF, DKIM and DMARC on the sending domain, seven days of real sends and bounces, and where its own warm-up mail is landing — with the reasons listed. A mailbox whose bounce rate or spam placement passes a threshold is pulled out of campaign rotation automatically, before it damages the domain.
Three steps. Inbound answering starts when you switch a channel on. A campaign is created as a draft and shows you the whole plan, every client and every step, before it sends anything.
Name it, choose a model and paste your API key. Then give it what it needs to answer a prospect without advising them: your services and process as documents, your fee structure and hours as data points, Q&A pairs for the questions you answer every week, and the pages of your own site it may link to, such as the fee page and the "how we work" page. Add the pre-qualification questions you want asked before a meeting is offered.
Write the instructions last, and write the boundary first: it does not give financial advice, does not recommend a product or a lender, does not quote a rate it was not given, and when asked, says an adviser answers that in the meeting and offers a time. Then the hand-overs: a complaint, a client who seems vulnerable, an existing client with a question about their plan, anything else your compliance officer names.
Add the mailbox the agent sends and answers from, a number for texts and calls, the chat snippet for your website, and the social accounts prospects actually use. Each one runs on your own account, so the reputation stays yours. Then connect the calendar: Google Calendar, Microsoft 365, Calendly, HubSpot Meetings, Zoho Bookings, Acuity Scheduling, Cal.com or Square Appointments, so the agent books real slots rather than sending a link.
Connect HubSpot or GoHighLevel and the agent reads the stage a contact is at before it answers, writes notes and outcomes back, and pulls a segment of clients due a review straight into a contact list. Or upload a CSV. One agent per adviser keeps each diary and each mailbox separate.
Auto-reply is a separate switch per channel, and calls have separate switches for answering and dialling, so an agent can answer the website and the mailbox before it is allowed to text anybody. For the review reminders and the lead follow-up, build the sequence, set the days, hours and time zone it may send, set the pace per number and mailbox, and read the whole plan on the review screen. Nothing leaves until you press Start.
Then watch the inbox. Enquiries are answered and meetings booked by the agent; anything you named as a hand-over comes to the adviser with the thread; a reply, a booking or an opt-out ends a sequence on every channel. Pause a campaign at any point and resume it later.
One account runs unlimited agents, one per client, and nothing is shared between them. A knowledge base belongs to a single agent, and content from one agent is never used to generate replies for another.
Invite a client by email address and they get their own login, which opens onto the one agent you gave them: its conversations, its numbers, its analytics and a reply box. They cannot see your other clients, your API keys, your settings or your billing. Access is deny-by-default.
No seat tiers, no credit packs, no per-agent or per-channel pricing, and nothing held back behind an enterprise call.
| Agents | |
|---|---|
| How many | Unlimited — one per business, brand or job |
| Shared brain | The same identity, instructions and knowledge on every channel |
| Knowledge base | Documents, Q&A pairs, data points and pages of your own site |
| Isolation | One agent's content is never used to reply for another |
| Client seats | Invite a client into one agent, with their own login |
| Channels | |
| As many mailboxes per agent as you connect, rotated by campaigns | |
| Text messages | Nine providers — Twilio, Telnyx, SimpleTexting, Plivo, Vonage, Sinch, Bandwidth, MessageBird, ClickSend |
| Phone calls | Answering and dialling, with recordings and transcripts |
| Transcription | Google, or Deepgram nova-3 on your own key |
| Voices | Google, Amazon Polly and ElevenLabs, or your own ElevenLabs / Fish Audio account |
| Voice cloning | Record a voice in the browser and clone it on your ElevenLabs or Fish Audio key |
| Website chat | A widget on your site with your colour, image and greeting |
| Social DMs | Messenger, Instagram, WhatsApp, Telegram, LINE, Viber, Slack, Discord, Bluesky, Reddit, X |
| Inbox | |
| One list | Every channel's conversations together, newest first, tagged by channel |
| Filters | By channel, by mailbox or number, or by agent |
| Takeover | Reply yourself and the agent stands down on that thread |
| Hand back | Return the thread to the agent when you are done |
| Campaigns | |
| Multichannel sequences | Email, text and call steps in one campaign, each with its own timing |
| Send conditions | Send a step only if they opened, did not open, clicked or did not click |
| Schedule | The days, hours and time zone anything may be sent |
| Stop rules | A reply, a booking or an opt-out on any channel ends the sequence |
| Pacing | Per-mailbox and per-number hourly limits, pausable and resumable |
| Review before start | The full plan is shown; a campaign sends nothing until you start it |
| Templates | Email, text and call scripts, saved once and reused |
| Analytics | |
| Funnel | Reached, replied, visited, converted, plus value won and time to convert |
| By channel | Where each person started, and the channel they converted on |
| Pages | Which pages known people read, and how many of them converted |
| Journeys | One row per person: every message, visit, call and booking in order |
| Goals | A page rule or a manual "won", each with a dollar value |
| Triggers | A known person returns to a page — notify you, or send a follow-up |
| Open and click tracking | Recorded per campaign and added to that person's history |
| Integrations | |
| Calendars | Google, Microsoft 365, Calendly, Cal.com, Acuity, Zoho, Square, HubSpot Meetings |
| CRMs and commerce | HubSpot, GoHighLevel, Housecall Pro, ServiceTitan, Jobber, Stripe, Shopify, WooCommerce, Wix, Squarespace |
| Booking | Real open slots offered, and only an offered slot can be booked |
| CRM import | Import a segment of customers into a contact list |
| Deliverability and compliance | |
| Mailbox warm-up | Ramped sending across the network, with spam rescue and replies |
| Health score | SPF, DKIM, DMARC, bounce rate and inbox placement, with reasons |
| Auto-rest | A failing address is removed from rotation automatically |
| Unsubscribes | One click, honoured automatically, including on queued mail |
| Reply limits | One reply per thread, per-sender daily and per-channel hourly caps |
| Filtering | Bounces, out-of-office and no-reply addresses ignored |
| List building | |
| Contact extraction | Emails, phone numbers and social profiles, on any site. Unlimited. |
| Deep scan | Follows the pages of a domain most likely to carry contact details |
| Domain queue | Load a CSV of sites and work through them one at a time |
| Contacts and lists | Unlimited, by email or phone, with CSV import and export |
| AI | |
| Your own key | Sixteen providers, including any OpenAI-compatible endpoint you host |
| What we charge for AI | Nothing — no markup, no metering, no credit packs |
| On calls | Uses your provider's fastest model automatically |
| Account | |
| Platforms | Chrome side panel and web dashboard on one login |
| Members' forum | Six boards, visible only once you are signed in |
| Referral program | $50 a year per referral ($5 a month), recurring for the life of the account |
| Support | support@boldagents.co |
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$16.67 a month, billed once a year. No add-ons, no seat tiers. Cancel anytime.
Not if you build them the way this page describes, and the product is designed so that they do not. The agent answers only from the knowledge base you give it: your services, your process, your fees, your hours, and the Q&A pairs you wrote. Its instructions tell it, in your words, that it does not give financial advice, does not recommend a product or a lender, does not comment on suitability, and does not quote a rate it was not given as a data point. When a prospect asks one of those questions, it says an adviser answers that in the meeting and offers a time. Every reply is stored with the material it was generated from, so you can check what it said and why.
From the fee page and the data points you loaded, and no further. "What do you charge?" is answered with the fee structure you wrote, and a link to the fee page on your own site, which is the only kind of page it may link to. "Is that good value for my situation?" is the kind of question you write into the hand-over rules, so it answers that an adviser covers that in the first meeting and offers a slot. You decide the exact wording of both. The agent does not paraphrase your fees from memory, because it has no memory of anything other than the material you gave it.
Yes. Connect Google Calendar, Microsoft 365, Calendly, HubSpot Meetings, Zoho Bookings, Acuity Scheduling, Cal.com or Square Appointments, and the agent is given the real open slots for the week ahead. It offers a few of them, and when the prospect picks one, that choice is checked against the slots that were offered, written to the calendar, and confirmed in the reply. It cannot book a time that was not free and cannot cancel an appointment it was not shown. With one agent per adviser, each agent books into its own adviser's diary. Financial services appointment booking without a link that nobody clicks.
Yes. Load the applicants into a contact list, from a CSV or a segment from the connected CRM, and run a short sequence: an email naming what is outstanding, a text three days later if there was no reply, a call on your Twilio number after that. Each step is a template you wrote, with the applicant's details filled in, and the sequence stops the moment they reply, on any channel. The reply, with the attachment, lands in the inbox against the applicant's row, and the case manager picks it up from there. It is instructed not to quote rates or recommend a lender, so a question about either is handed over.
As a campaign. Pull the clients due a review this quarter from HubSpot or GoHighLevel as a segment, or upload a CSV, and build a sequence in the adviser's own voice: an email from their address, a text a week later sent only if there was no reply, a second email the week after. Set the days, hours and time zone it may send, read the plan on the review screen, and press Start. When a client replies "yes", the agent offers open slots from the adviser's calendar and books the review. A reply, a booking or an unsubscribe on any channel ends the sequence on every channel. A goal with a value on the campaign reports what the run was worth.
Yes. One row per person shows every email, text, call transcript, recording, chat and DM in the order it happened, with timestamps, and every reply the agent wrote is stored beside the material it was generated from: the Q&A pair, the data point or the document it drew on. Calls on your Twilio number are recorded and transcribed. Open and click tracking is recorded per campaign and added to the person's history. When compliance asks what a prospect was told about fees on a given date and where that answer came from, it is a screen rather than a reconstruction from sent folders and memory.
No software does, and we do not claim to. What you get is the set of controls a regulated firm needs and a record that shows they were used: an agent that says only what you instructed, with a stated boundary on advice; hand-over rules for the situations you name; a sending window with days, hours and time zone; opt-outs honoured on every channel including on queued messages; one reply per thread with daily and hourly caps; and every message kept with its source. Whether your wording, your questions and your reminders meet the FCA's rules, the SEC's or FINRA's, or those of your state or province, is your firm's responsibility, exactly as it is when a member of staff answers the phone.
The same as for one. The plan is $25 a month or $200 a year for the whole account, with unlimited agents, so a firm builds one per adviser, per office or per service line at no extra cost, each with its own diary, mailbox, number, knowledge base and funnel. There is no per-seat, per-agent, per-channel or per-message charge. You hold the AI key with one of sixteen providers and your provider bills you at cost, usually a few dollars a month per agent, and you pay your own carrier for texts and calls. There is a seven-day free trial, and no percentage of anything.
One subscription, unlimited agents. What changes is the knowledge base, the channels and the instructions.
Build one agent from your fee page and your process, connect the calendar and the website, and see how it handles the enquiries that arrive while the advisers are with clients.
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