Where Rivalta fits in your stack.

Three layers. Custodians and reporting platforms hold the accounts. Single-domain tools each answer inside one domain. Rivalta is the reasoning layer above both.

  1. Layer 3

    Rivalta

    Cross-vertical reasoning

    Runs every domain that applies to a household at once — wealth, tax, estate, insurance, business, and real estate — reconciles them into one plan, quantifies the tradeoffs where they conflict, and preserves the dissent on the record. The only layer that reasons across domains.

  2. Layer 2

    Single-domain tools

    One domain, one answer

    Each is competent inside its own domain — a retirement-income simulator, a tax-return reader, an estate-document vault. None coordinate with the others. Chat assistants live here too — general-purpose chat assistants, and the advisor copilots like Hazel built on them. A tax agent, a planning agent, one prompt at a time; a peer to the tools beside them, not a layer above.

    • Holistiplan
    • IncomeLab
    • Vanilla
    • MoneyGuidePro
    • eMoney
    • Chat assistants & copilots
  3. Layer 1

    Custody & platform

    System of record

    Holds the assets, the accounts, and the custody data. This is where the numbers live and where reporting is accurate. It is the system of record. But a system built to report the numbers accurately isn't built to reason across domains — that's a different job, one layer up.

    • Addepar
    • Masttro
    • Orion
    • Black Diamond
    • Altruist
Custody holds the assets, not the plan.
Custodians and platforms own the data of record. They don't reason across domains, and they don't have one coming — a reporting system is the wrong shape for it.
A chat assistant or copilot is a single-domain tool, not a category above.
A general-purpose chat assistant answers one prompt at a time. An advisor copilot like Hazel ships a tax agent, then a planning agent, one per quarter — each a peer to Holistiplan, one domain, one output. Useful, and table stakes. Not cross-vertical reasoning.
Rivalta is the only layer that holds six domains at once.
It sits above both rows: above the custodians and platforms that hold the accounts, and above the single-domain tools that each answer inside one domain. That is the layer the comparisons measure.

The diagram is the whole argument. A new agent from a custodian, a new branch from a brokerage, a new copilot from a platform — each one lands somewhere in the bottom two rows. None of them change the top row, because none of them are built to reason across domains. The category is the moat.

The proof isn't the diagram, though — it's the output. Each comparison takes a single household a single-domain tool already ran, and shows what the cross-vertical layer surfaces on the same inputs: the conflicts, the rejected alternatives, the time-bound triggers. That is the gap between a tool and a reasoning layer, 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. Patent pending describes the status of the claims; grant is not guaranteed and depends on USPTO examiner review.

See the comparisons