AI marketing for RIAs and insurance producers
You have been allowed to publish client testimonials, with the required disclosures, since the marketing rule took effect in 2021, and compliance has been mandatory since November 2022. Flo writes the content that uses the rule you were given four years ago.
An entire profession was handed a marketing tool and mostly left it in the box, which means it is still an advantage.
Your own book, built in public.
Four years of an unused permission
The rule changed, the profession noticed, and then almost everybody carried on exactly as before because the conditions looked like work. The conditions are three disclosures and an oversight process, and the advisers who actually did it are not competing with anybody.
A Rule Nobody Uses
Testimonials permitted under the marketing rule, mandatory since November 2022.
Built On Referrals Only
A book that grows at the speed of other people's conversations.
Fee Structure Unexplained
The first thing prospects search and the last thing anybody publishes.
One Person, Every Job
Advice, compliance, admin and marketing on one desk.
Four apps, one adviser, no keyboard
The drafting is done. What is left is judgment.
MoSocialDaily Drafts
How you think about money, approved between client meetings.
MoBlogsThe Life Event
Retirement, inheritance, a business sale. The moments that create clients.
MoMailClients And Centers Of Influence
The accountants and attorneys who send the best introductions.
MoReviewsReplies That Say Nothing
Answered in your voice, confirming nothing about anybody.
What it publishes across your year
Built from tax dates, enrolment and when people rethink things.
- Jan to Mar
New Year Review
Contribution limits, resolutions and the annual reassessment.
- Apr to Jun
After Filing
People who have just seen their tax return and want to change something.
- Jul to Aug
Quiet Depth
The long-form content that convinces somebody over a month.
- Sep to Dec
Enrolment And Year End
Open enrolment, distributions and the planning deadlines.
What MoFlo accounts in other industries have measured
Other professional services firms we set up differently
A captive network and a staffed agency run different setups, so they do not get this page.
Marketing by company size
The same platform, framed by how many people bill, not by what you advise on.
You have questions. We have answers.
The five that come up before an adviser or producer signs.
Should I actually use testimonials?
If you are SEC-registered and you can meet the conditions, it is the least contested marketing advantage in your profession right now. Three clear and prominent disclosures plus oversight, and most of your competitors have not bothered.
What are the three disclosures?
Whether the person is a current client, whether they were compensated in any form, and any material conflict arising from their relationship with you. Clear and prominent, not buried in a footer.
I only do insurance, not advisory.
Then the marketing rule is not your rule set. State insurance regulation governs your advertising, which varies by state and is a genuinely different framework, so do not borrow an adviser's disclosure language and assume it covers you.
My book comes entirely from referrals.
Which caps growth at the rate other people happen to mention you. Content is how somebody finds you during a life event without needing a mutual acquaintance to be in the room.
What does it cost working alone?
MoMail is $79/mo and MoReviews $99/mo. MoSocial and MoBlogs are $149/mo each, and everything together is $299/mo, no contract and no setup fee. The free week runs on the client conversations already in your calendar.
Sources
- United States Securities and Exchange Commission, 17 CFR 275.206(4)-1(b)(1), testimonials and endorsements, read 24 September 2026
- United States Securities and Exchange Commission, Investment Adviser Marketing, Advisers Act Rule 206(4)-1, adopted 22 December 2020, effective 4 May 2021, compliance date 4 November 2022, read 24 September 2026. Applies to SEC-registered investment advisers, not to insurance producers.
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