CT Signature for advisors

E-signature for financial advisors.

Client agreements, account opening forms, Investment Policy Statements, beneficiary designations, authorization forms — signed on any device, returned with audit trail. Pay-as-you-go pricing means a solo advisor and a 30-advisor RIA each pay for what they send.

Get early access What's included

Mobile-first: Client signs from any device
Audit-ready: Defensible if reviewed
Pay-per-envelope: No per-seat tolls

What advisors send

Documents that move client relationships

From new account through ongoing planning, e-signature flows fit how advisor paperwork actually moves.

Client services agreements
Account opening and transfer forms
Investment Policy Statements (IPS)
Beneficiary designations and updates
Authorization forms (LOA, ACAT, etc.)

ESIGN/UETA

Federal + state law

Audit trail

Defensible evidence

Mobile-first

Client signs anywhere

Templates

Standard packages, ready

Why this matters

Account paperwork that takes weeks to come back is account paperwork that loses clients.

A new client meeting goes well. The advisor sends the standard new-client packet via email PDF: services agreement, account opening forms, IPS, transfer authorizations. Two weeks later, half the packet is back; some signatures are missing; one form was signed on the wrong line. The momentum from the meeting is gone. Some prospective clients silently fade away during the paperwork cycle.

CT Signature collapses that. The packet goes out from a template the moment the client meeting ends. The client signs from their phone in the parking lot or at home that evening. Signed agreements, account-opening forms, IPS, and transfer authorizations land in the advisor's CRM before the next morning's meeting. The momentum is preserved; the relationship moves forward without the paperwork drag that used to derail prospects.

For advisors operating under fiduciary obligations, the audit certificate is the defensible evidence regulators expect. Every signed document includes a cryptographic hash and an audit log of every action: viewed, signed, IP, device fingerprint, timestamps. If a beneficiary designation is later contested or a client agreement's terms are disputed, the audit certificate documents what was signed when. Defensible under any review.

Why advisors switch to CT Signature

Same-day account opening — client signs from their phone before momentum fades
Mobile-first — clients sign on the device they have, not a portal
Reusable templates — standard new-client packet, ready forever
Audit trail — defensible under regulator or beneficiary review
Pay-per-envelope — no per-seat traps for adding staff

Capabilities for financial advisors

What the platform delivers for advisor practices.

Reusable templates for new-client packets

Build your standard new-client packet once: services agreement, account opening, IPS, transfer authorizations. Every future new client is a 30-second send instead of an hour of document assembly. Different account types or service models are template variants.

Mobile-first signing for clients

Clients sign on their phone in the moment, without downloading an app or creating an account. The signing experience is identical to a major custodian's portal — just faster and without the password reset cycle. Account opening that used to take weeks moves in days.

Multi-signer routing for joint accounts

Joint accounts where both spouses must sign use sequential or parallel routing. Each signer sees their assigned fields; the audit trail captures both signatures with timestamps. Joint account opening that used to require both spouses present at the same time becomes async.

Tamper-evident PDFs with audit certificate

Every signed document has a cryptographic hash and an audit certificate showing every action: viewed, signed, IP, device, timestamps. If a beneficiary designation is later contested or a fiduciary dispute arises, the audit certificate is the defensible evidence.

Field validation

Required fields, format validation (account numbers, SSNs, dollar amounts), conditional fields. The follow-up calls about missing or unclear field entries that used to chew up operations staff time disappear. Clean returns the first time.

Pay-as-you-go pricing

Subscription tiers cover capabilities; volume scales with envelopes sent. A solo advisor and a 30-advisor RIA each pay for what they send. Adding a junior advisor or an operations associate doesn't bump your plan. The pricing scales with practice volume, not headcount.

What it looks like in practice

A few ways teams use this.

New client onboarding after a discovery meeting

Discovery meeting Tuesday afternoon goes well; client wants to move forward. Advisor sends the new-client packet from a template Tuesday at 5pm. Client signs all forms from their iPad at home Tuesday at 8pm. Wednesday morning the advisor's CRM has signed services agreement, account opening forms, IPS draft, and transfer authorizations. The transfer process starts Wednesday with all paperwork in hand. What used to risk a 2-week paperwork drag is a 12-hour cycle.

Annual IPS review with multiple updates

Client's annual review prompts updates to the IPS: new asset allocation, updated risk tolerance, new beneficiary. Advisor updates the IPS template, sends to client for re-signature. Client reviews and signs from their phone during a flight layover. Updated IPS in the file the same day. The annual review's documentation that used to lag for weeks is current.

Beneficiary designation update with a deadline

Major life event triggers a beneficiary update on multiple accounts. Multiple beneficiary designation forms (one per account/custodian) sent in parallel. Client signs all of them in 10 minutes during her lunch break. Updated designations submitted to custodians the next day. The beneficiary updates that used to take weeks of mail loops are done in 24 hours.

Frequently asked

Common financial advisor questions.

Are electronic signatures legally binding for advisor client documents?

Yes. Federal ESIGN and state UETA laws give electronic signatures the same legal standing as ink for client services agreements, account opening forms, IPS documents, beneficiary designations (with some custodian-specific exceptions), and most authorization forms. Specific document types may have custodian-specific or product-specific requirements; CT Signature handles the categories where electronic signature is permitted, which is the bulk of advisor paperwork.

Do major custodians accept electronically-signed forms?

Most major custodians accept ESIGN/UETA-compliant electronic signatures for the bulk of standard forms. Specific custodian acceptance varies by document type and may evolve over time; check your specific custodian's current policy. CT Signature's audit certificate is the standard evidence custodians look for when verifying electronic signatures.

How does the platform handle joint accounts and shared decision-making?

Multi-signer routing supports joint accounts. Sequential signing (one spouse signs, then the other) or parallel signing (both at once) configurable per document. Each signer sees their assigned fields. The audit trail captures both signatures with timestamps and attribution — useful evidence if account decisions are later disputed.

What about state-specific or custodian-specific form requirements?

Per-template configuration handles state-specific or custodian-specific document variations. Build state-specific templates for state-specific forms; build custodian-specific templates for forms that vary by custodian. The template approach scales without requiring per-form rebuilding.

How are signed documents integrated with our CRM or portfolio management system?

Standard exports for signed PDFs feed common advisor CRM and portfolio management systems. Custom integrations for specific advisor-platform vendors are available for early-access partners. Most small to mid-size practices use the platform standalone alongside their existing tech stack.

How does pricing work for a solo advisor?

Subscription tiers plus pay-as-you-go pricing. A solo advisor pays for the envelopes they actually send. Self-serve onboarding means there's no enterprise sales call required. Most solos are sending their first new-client packet within hours of signing up.

Account opening that doesn't lose clients to paperwork.

Get on the early-access list and we'll set up your practice with your standard new-client packet pre-loaded as a template.

Request early access Back to CT Signature