A category we are creating.

The professionals who serve households at five million dollars and above do not have a coordination problem in theory — they have one in practice. The estate attorney knows what the tax exposure demands. The CPA knows what the business structure implies for the estate. The wealth advisor knows what the portfolio can absorb. Each holds one piece; getting them into the same room, with the same client model, at the same moment, takes weeks. Most of the time it doesn’t happen at all. The advice arrives in sequence, not in concert.

Rivalta was built to close that gap. Not to replace the professionals who fill it — they execute, they carry the fiduciary obligation, they have the relationship. To give them the coordinated view first. The cross-domain recommendation set, with the tradeoffs already quantified and the dissent already preserved, before the first client call. The review that currently takes a panel three weeks — in minutes.

It started as a single-vertical proof. The Wealth engine was built first — nine specialist agents, a cross-domain conflict resolver, a knowledge pipeline — to answer one question: could specialist-grade reasoning and cross-domain conflict resolution actually work at the quality level the problem demands? The answer was yes.

Once the engine proved out on a single vertical, the architecture was extracted from the vertical and rebuilt as a platform. The same orchestration layer now runs six financial verticals — Wealth, Tax, Estate, Insurance, Trade, and Business & Real Estate. Each is a domain-specific deployment on top of the same core. Adding a vertical takes three to four weeks, not months.

Eleven patent-pending claims were filed in May 2026 through Polsinelli, covering multi-agent orchestration, cross-domain conflict resolution, and the anonymization architecture. USPTO Application 64/062,916, filed 2026-05-11. Grant is not guaranteed and depends on USPTO examiner review; Rivalta makes no claim of an issued patent.

Rivalta, Inc. — Delaware C-Corp, incorporated 2026. Two founders: Bryan Anaya (Texas) and Michael Anaya (Florida).

Bryan’s background is twenty-five years in user experience design at Microsoft, Indeed, Anaconda, GM, GE, AT&T, and defense contracting for the Air Force and Space Force. He built the platform.

Michael’s background is accounting, financial advising, and data and GIS for defense. He built and runs the validation cohort — the group of practicing professionals who ground-truthed the engine’s outputs against real client work to establish its accuracy baseline. The cohort is the quality signal. Their judgment is what separates a capable engine from a useful one.

The platform is built for the professionals serving the households where cross-domain advice matters most — typically five million dollars and above, though the trigger was always whether the parts interact, not a number. A household with a K-1, a rental, and a partnership interest has interacting parts. A W-2 with a standard deduction does not.

Rivalta is not a productivity tool. We are not trying to help advisors answer emails faster, draft letters, or manage their calendar. There are good products for that. This is not one of them.

Rivalta is not a replacement for professional judgment. Every recommendation the engine produces requires a credentialed professional to evaluate, approve, and act on it. The engine is the input to the professional’s decision, not the decision.

Rivalta is not built for the simple household. A W-2 earner with a standard deduction and a 401(k) doesn’t need cross-domain coordination — the verticals don’t interact. Rivalta is built for the household where they do: the business owner with a K-1, a rental property, and a buy-sell agreement; the executive with RSUs, a concentrated position, and an estate that doesn’t match the current exemption; the family with real estate held across entities, a life insurance structure that predates current rates, and an estate plan written before Connelly. These are the households where the seams between domains are where the money is.

Rivalta is not a wealth-planning tool. It is not a tax overlay, an estate-document vault, an insurance comparison engine, or a real-estate analytics platform. The market has those — MoneyGuidePro, Holistiplan, Vanilla, FP Alpha, and a hundred others. Each is competent within its single domain. None of them coordinate.

The professionals who serve households typically at five million dollars and above know that the decisions worth making span every domain at once. A Roth conversion is also an estate decision. An entity restructure is also an insurance decision. A buy-sell agreement is — as Connelly v. United States (2024) made litigably clear — a tax decision the family-office platforms catastrophically missed.

These professionals do the coordination by hand. Whichever one holds the coordinating seat for the household — often a CPA or an estate attorney — convenes the others: the fee-only planner, the insurance broker, the real-estate specialist, for an in-person session that takes three weeks of calendar time and produces a recommendation set that is mostly right. Rivalta produces the same recommendation set in minutes, with the cross-vertical tradeoffs already quantified and the dissent preserved on the record.

This is not a faster version of a wealth-planning tool. It is a different category of product — a decision engine that quantifies cross-vertical tradeoffs and preserves dissent on the record.

The family-office platforms — Addepar, Masttro, Orion, Black Diamond — already hold the assets and the custody data. They are the system of record. They are not the system of synthesis, and they don’t have one coming, because the architecture they built for accurate reporting is structurally the wrong architecture for cross-domain reasoning. Rivalta is the layer that sits above them. See where Rivalta fits in the stack.

A newer pattern is arriving from the other direction. The general-purpose model vendors now package advisor copilots — single-domain assistants that draft one document at a time, a financial plan or a rebalance memo or a tax-loss summary, for a professional to review. They are useful, and they are the copilot layer: one domain, one task, one human sign-off. Rivalta is the layer above that too. It runs every domain that applies to a household at once, reconciles them against each other, and quantifies the cross-vertical tradeoffs no single-domain copilot is built to see. The copilot drafts one document; Rivalta produces the coordinated, cross-domain recommendation set the professional decides from — with the dissent preserved on the record.

Eleven patent-pending claims cover the multi-agent orchestration, the cross-domain conflict resolution, and the anonymization architecture. USPTO Application 64/062,916. Filed May 11, 2026. Polsinelli counsel.

Patent pending describes the status of eleven claims; grant is not guaranteed and depends on USPTO examiner review. Rivalta makes no claim of an issued patent.

The engine never sees a client’s name. Not in any prompt path. Not in any database we operate. Not in any log we keep. The professional’s machine is the only place where the real names live, and a synthetic identifier vocabulary maps to them locally. Rivalta’s servers receive raw numbers, role labels, and pseudonyms — a substrate that is structurally insufficient to constitute a household-identifying record.

The same browser-side anonymization runs in the pre-customer sandbox at try.rivalta.co; only the hardware and the retention contract differ. The sandbox runs on separate infrastructure with no network route to the paid environment, and pseudonymized sandbox data is deleted within 7–14 days or on upgrade. The full posture is on /security.

This is not a privacy policy. It is an architectural property. The data Rivalta holds cannot be re-identified into a client roster because the data Rivalta holds was never a client roster. Competitors who built on shared CRM or portfolio-management data physically hold the household identifiers — they would have to rebuild from the foundation to reproduce what Rivalta has by design.

The consequence travels through the rest of the product. A Sealed Findings Handoff — the encrypted bundle one professional sends to another — is already de-identified by the time it leaves the engine. The receiving professional imports it under their own pseudonym vocabulary. There is no shared workspace. There is no joint engagement. There is no co-fiduciary entanglement. The cross-vertical handoff that the market currently does through informal coordination is, on Rivalta, a primitive operation with a clean consent surface.

The anonymization architecture is one of the eleven patent-pending claims and the one we discuss most carefully in public. The capability is described above; the mechanism is not.

Bryan Anaya — Founder. Twenty-five years in user experience design at Microsoft, Indeed, Anaconda, GM, GE, AT&T and defense contracting for the Air Force / Space Force. Operator-builder.

Michael Anaya — Co-Founder. Background in accounting and financial advising. Small-business owner. Data and GIS specialist for defense. Built and runs the validation cohort that ground-truthed the engine’s outputs against real client work to establish its accuracy baseline.

• General inquiries: [email protected]
• Validation partnership inquiries: [email protected]
• Press: [email protected]