Centennial, Colorado
Independence should not cost you the infrastructure.
I am Kyle Wiggs. I have worked in financial services since 2006, and I build the infrastructure underneath independent advisory firms — the portfolios at the bottom, the risk engine above them, and the platform on top that delivers both.
Why you are probably here
You are checking whether any of this is real.
Most people who land on this page are doing one of six things. Diligence on a firm that just contacted them. Deciding whether to book a guest. Considering a job. Weighing a partnership. Confirming a story they were told at a conference. Or arguing with something written here.
All six want a straight answer. The short version is below and the long version is in the biography; the regulatory record is further down.
If you would rather be pointed straight at the right page, start here.
The problem I kept running into
Advisors are told that going independent means giving up the tooling.
I spent the first part of my career on the institutional side, building national distribution and working directly with independent advisors. The pattern was relentless. You left a large firm to own your book. Within eighteen months you were the operations department.
Sunday night rebalancing. Two performance systems that disagreed about the same account. A compliance file assembled by hand. One person — the founder — who was the only one who understood how any of it fit together.
None of that is a failure of the advisor. The infrastructure was built for firms with two hundred employees, and it was priced and packaged accordingly. Below a certain size you were expected to improvise.
The trade is not real. You should not have to choose between owning your firm and having the machinery to run it.
That sentence is the reason three of the four companies exist. The fourth is a different story; the Civly page tells it.
The affiliation
The companies are affiliated, and that is the design.
I hold ownership interests in UX Wealth Partners, riskDNA AI, and THOR Financial Technologies. The UX Wealth platform uses THOR model portfolios and riskDNA analytics. Those are related parties. Brad Roth is chief investment officer of both THOR and UX Wealth Partners, so the same person runs the investment function at the strategist and at the platform. riskDNA is free to advisors and funded by asset managers, who receive advisor-level data, and aggregated client data, on how advisors on riskDNA use and position their strategies and whose products are among those it covers. That funding is a conflict of interest. The disclosures page lists every one of these relationships in full.
Portfolios sit at the bottom of the stack. The risk engine sits above them, because a portfolio is only as good as its match to the client. The platform sits on top, because most advisors do not want to assemble those pieces. The platform came first, in 2020, because that was where the pain was. The first fund followed in 2022, the risk engine in 2026. The biography has the detail.
The stack
Four companies. Three of them are one stack.
Co-founder & partner · Portfolios
THOR Financial Technologies
Rules-based investment strategies delivered as model portfolios and two of three exchange-traded funds; the third is sub-advised. In 2023 THLV moved its listing from NYSE Arca to the NYSE itself, among the first exchange-traded funds on the Big Board after the exchange resumed listing them.
Co-founder · Risk
riskDNA AI
Risk analytics built on the premise that tolerance, capacity, and behavior are three different things, and that a questionnaire measures only the first.
Co-founder, president & CEO · Platform
UX Wealth Partners
The turnkey asset management platform that delivers the portfolios and the risk analytics to an independent advisor, so the founder stops being the operations department.
Co-founder · Co-parenting
Civly
A co-parenting coordination platform. Not part of the stack: different customers, different rules, no shared technology.
The record
Things you can check without taking my word for it.
Regulators
Investment Adviser Public Disclosure
CRD 5159325. Maintained by regulators, not by me. Registration does not imply any level of skill or training.
Trade press
WealthManagement.com
Ten to Watch, 2025. An editorial selection with no application, voting, or payment.
Third-party recognitions — a 2025 listing on WealthManagement.com’s Ten to Watch, announced December 2024, and a listing for UX Wealth Partners in The Wealth Advisor’s America’s Best TAMPs guide, published September 2024, — are described with their criteria on the recognition page rather than displayed as badges. Compensation was paid in connection with the Best TAMPs listing and not in connection with Ten to Watch.
Writing
What I actually think about this work.
Short pieces on independence, technology, portfolio construction, and running a firm. No performance claims, no predictions, and nothing behind a form.
Independence
Going independent
What the move actually costs, what you can take with you, and the eighteen-month wall nobody describes.
Technology & AI
Technology and AI
Where artificial intelligence helps an advisory firm, and where it is being sold as something it is not.
Portfolios & risk
Portfolios and risk
Systematic investing, what a risk score does and does not measure, and how model portfolios actually work.
The idea I would most like someone to argue with is The Three Risks — that tolerance, capacity, and behavior are three different things the industry collapses into one score.
Contact
How to reach me.
If you are an advisor considering a move, a journalist on a deadline, or someone who wants to argue with something written here, the contact page has the routes. I read what comes in.