pari
The RIA playbook
Intra-family lending for advisors
Your clients already lend to their families. Here is how RIAs turn that quiet activity into retained AUM, deeper next-generation relationships, and a stronger book, without becoming a lender.
Last updated July 15, 2026 · ~10 min read · For financial advisors & RIAs
The advisor blind spot
Every advisor has clients quietly funding their children, siblings, or parents. It happens as an untracked wire or a handshake, off the balance sheet, off the plan, and off the radar. Each of those transfers is capital leaving the managed relationship and a moment of value the advisor never got to add. Because it is informal, it also carries real risk: undocumented "loans" can be recharacterized as gifts, creating tax exposure the client never saw coming. Ignoring family lending is not neutral; it is a slow leak. See Turning Informal Family Money Into an Advice Opportunity.
The AUM retention problem
Industry research consistently finds that a large majority of heirs, often cited at roughly 80%, leave their parents' advisor within a couple of years of inheriting. The reason is simple: by the time the transfer happens, the advisor usually has no relationship with the next generation. Retention is decided years earlier, and most firms do nothing about it until it is too late. See Why Advisors Lose Most of Their AUM at Inheritance and Retaining Assets Across Generations: An RIA Playbook.
Advisor adoption
You would not be the first. Advisory firms across the country are already exploring intra-family lending with Pari, the map below is a live view of that pipeline. Firm names and deal details always stay private.
Every shaded state and marked city is an advisory firm already in our pipeline, firm names and deal details always stay private.
The fiduciary case
Facilitating structured intra-family lending is squarely in the client's interest. It protects them from avoidable tax exposure, documents an arrangement that was going to happen anyway, and keeps their capital working within the household. It is one of those rare situations where the right thing for the client and the right thing for the practice point in the same direction. Importantly, Pari is a tool, not a lender: it does not originate, underwrite for its own account, broker, or guarantee loans, and it does not provide investment, tax, or legal advice on the firm's behalf. See The Fiduciary Case for Facilitating Family Lending.
Winning the next generation
A structured family loan is one of the few natural, high-trust reasons to be in the room with a client's adult children before the wealth transfer. Helping a client's son structure a first-home loan, or a daughter finance a business, is a concrete service the next generation experiences directly. Do it well, and you stop being the parents' advisor and become the family's. See Winning the Next Generation Before the Transfer.
Estate-planning leverage
Intra-family lending is not a sideshow to estate planning, it is one of its most flexible instruments. Loans shift future growth out of the taxable estate, fund the next generation's ambitions now, and can be paired with trusts and strategic forgiveness for greater effect. For advisors, that means another concrete lever to bring to planning conversations. For the mechanics, see the Complete Guide to Intra-Family Lending and Grantor Trusts and Intra-Family Loans.
How advisors use Pari
- Embed Pari into your workflow.It takes about two minutes. Pari is free for private wealth firms, no seat fees, no setup cost.
- Surface the lending that's already happening.Bring the family loans your clients are doing informally onto a structured, documented platform.
- Structure the loan with the client.Pari generates the note, tracks the AFR and gift-tax thresholds, and runs an affordability check, in about a minute.
- Keep it documented and monitored.Automated repayments and records keep every loan clean, with early-warning signals surfaced privately to the borrower.
- Deepen the next-gen relationship.Every structured loan is a reason to engage the heirs early and keep the household's assets in one place.
Security & compliance
RIAs run diligence, and Pari is built for it. Client and financial data is encrypted in transit (TLS 1.2 or higher) and at rest (AES-256), administrative access requires mandatory multi-factor authentication, and bank connectivity runs through Plaid, Pari never stores bank credentials or holds client funds. Pari's security program is continuously monitored with Vanta, and a SOC 2 Type II audit is in progress.
You can review Pari's live security posture in the Pari Trust Center, and read the full detail on our Security page.
Monitored by VantaView Trust Center →
Getting started
Onboarding is a weekend, not a quarter. Book a walkthrough and we'll show you how Pari fits your practice, how the family and advisor views work, and how to bring your first structured loans live.
See how Pari fits your firm.
Frequently asked questions
Is Pari free for advisory firms?
Yes, Pari is free for private wealth firms and RIAs. It takes about two minutes to embed into your workflow and about one minute to create a loan.
Does using Pari make me a lender or give tax advice?
No. Pari does not lend, broker, or guarantee loans, and it does not provide investment, tax, or legal advice. It is a tool that helps families structure and manage loans between themselves; advice remains the firm's responsibility.
How does it help me retain AUM?
It keeps informal family capital on-platform, consolidates the household's assets, and builds a relationship with the next generation before the transfer, the moment most AUM tends to leave.
Is my clients' data secure?
Yes. Encryption in transit and at rest, mandatory MFA, Plaid-based bank connectivity, and continuous monitoring with Vanta. A SOC 2 Type II audit is in progress; the live status is in our Trust Center.
Key takeaways for advisors
- Family lending is happening in your book already, structuring it protects the client and keeps assets in the household.
- It's the rare service that's both fiduciary-aligned and growth-positive.
- It creates an early, high-trust reason to engage the next generation.
- Pari is free for firms, embeds in ~2 minutes, and you never become a lender.
- Security-first and continuously monitored with Vanta; review the Trust Center.
This page is for general informational purposes and is not investment, tax, or legal advice. Pari does not originate, broker, or guarantee loans.