The Gateway to Institutional OCIO Solutions for Elite RIAs

The Foundation Most RIAs Are Built On

Many firms today are built around a well-rounded planning stack — the core services clients have long expected.

  • In-house attorneys provide core estate planning — revocable trusts, wills, POAs, healthcare directives — focused on probate avoidance and basic wealth transfer. Most structures remain client-specific, with limited emphasis on multi-generational planning or advanced trust design.

  • Portfolios are typically built in-house using a combination of low-cost index funds, ETFs, and institutional managers. The focus is broad diversification and tax efficiency. Most offerings lack differentiated institutional access, private markets, or highly customized portfolio construction.

  • In-house CPAs provide tax planning that includes loss harvesting, Roth conversions, income optimization, and entity selection. While well-integrated, this planning generally does not extend to advanced family-wide tax structuring, multi-entity flow optimization, or cross-generational strategies expected at the UHNW level.

  • In-house advisors provide comprehensive income planning, RMD management, Social Security optimization, and risk-based portfolio alignment for retirement. While valuable for traditional HNW clients, this offering becomes less relevant for UHNW families focused on legacy, governance, and long-horizon wealth preservation.

  • Many firms position themselves as a one-stop shop with in-house investments, tax, estate, and retirement planning. While this offers integration and convenience, it has become the industry standard — and no longer differentiates the firm at the UHNW level. Fee compression and client churn increasingly impact firms relying solely on this model.

  • Firms competing solely on the traditional stack increasingly face downward pressure on fees. As more RIAs offer similar in-house investment, tax, estate, and retirement planning — clients view these services as commoditized.

    Without differentiated capabilities — particularly at the UHNW level — firms are forced to discount fees or justify value in ways that no longer resonate with sophisticated clients.

    The result: eroding margins, higher client turnover risk, and increased difficulty attracting the next generation of high-value relationships.

The Market Is Evolving — The Firms That Will Win Are Adapting

The core planning stack remains foundational — but it is no longer enough to differentiate or defend premium fees. At the HNW and UHNW level, client expectations are rising fast. Institutional investment access, advanced structuring, and a true family office experience are quickly becoming the standard among top-tier firms. Those who embrace this shift are elevating their client relationships — and pulling away from firms stuck competing on price and traditional offerings..

Up next — what a modern Family Office Division looks like when built to compete at the top of the market.

Deliver More Than Portfolios. Deliver a Family Office Experience.

RIA Access serves as an educational gateway — helping elite RIAs understand and explore institutional investment solutions, advanced estate and tax strategies, and family office-level compliance best practices through trusted industry partners.

  • Align client portfolios with a structured, endowment-style investment framework.
    From quant-driven modeling to tactical rebalancing and manager due diligence, RIA Access connects your firm to sophisticated OCIO solutions that prioritize risk-adjusted growth and long-term resilience.

  • Bring clarity and structure to generational wealth conversations.
    OCIO planning infrastructure helps RIAs coordinate with the Family Office division of the OCIO to deliver white-labeled estate strategies, advanced trust structures, and tax-aware investment coordination—all under your advisory umbrella.

  • Navigate complex family office-level planning with regulatory confidence.
    Your firm’s internal compliance team gains access to a Tier-1 law firm & compliance framework built to support HNW & UHNW engagements—from marketing oversight to documentation alignment.

  • Delight and retain your top clients with planning depth that matches their complexity.
    From first impression to multi-generational planning, you’ll deliver a family-office-caliber experience while staying independent, fee-based, and structurally lean.

  • A true Family Office Division enables firms to move beyond the commoditized fee-only stack. Institutional investment access, advanced tax and estate strategies, and governance capabilities allow firms to charge premium fees justified by elevated client experience — not just portfolio returns.

    This is how the top firms defend margin — while attracting clients who value expertise over cost.

Meet Our Founder

Andrew Morris
Founder

Andrew Morris

Founder, RIA Access

Andrew Morris isn’t just building a platform—he’s carrying forward a legacy. As the founder of RIA Access, Andrew brings a rare blend of institutional fluency and entrepreneurial discipline to the independent advisory world. His mission: equip RIAs with direct access to OCIO, tax, and estate planning infrastructure once reserved for elite endowments and multi-family offices.

His roots in the industry run deep. Andrew’s late father, a pioneer in the alternative investment space, spent over three decades guiding capital through private markets and non-traditional structures. Andrew lost him at 23—but the foundation he left behind continues to fuel the work.

What sets Andrew apart isn’t just vision—it’s execution. After years of watching independent RIAs struggle to bridge the gap between fee-based advisory and institutional-grade planning, he built RIA Access to change the equation. No roll-up model. No fluff. Just access to the best—on your terms.

Stand Out Without Selling Out

RIA Access was built for independent advisors who want more for their clients—without sacrificing control.
We provide informational access to OCIO, tax, estate, and compliance solutions historically reserved for elite family offices and university endowments. Whether you're solving for succession, expanding your HNW & UHNW offerings, or just tired of fee-only commoditization—we help you scale without selling.

Let’s connect and explore how institutional-grade planning infrastructure can support your growth—on your terms.