Who we serve
r.Team peers professional trustees, trust companies, law firms, RIAs, insurance carriers, and structured settlements with a private Reasoning Engine — then connects, through a single governed Bridge, to the trustees and custodians those practices already rely on. Judgment stays with the human. The record stays with the account.
The stack
Six fiduciary practices work on the platform. The platform does not replace the trustee of record or the custodian of assets. It is the reasoning layer between them.
01 · Practices that run on the platform
Got-Data Inc. · r.Team
Private fiduciary reasoning layer
Prepares, cites, and proposes. The human decides.
One auditable doorway to systems of record.
Every judgment written to a per-account hash chain.
Human in the loop, always. Nothing writes until an officer approves.
02 · Appointments and systems the platform connects to
Above the platform
Whether the practice is a single professional trustee or a chartered trust company, the same private Reasoning Engine sits beside the people who decide — administrators, operators, compliance, and investment advisors.
01 · Practice
You carry the appointment and the judgment with a lean team and tools that were never built for discretionary work. r.Team reads the governing instrument with you, surfaces distribution candidates with cited rationales, and writes every decision to a record you can hand an examiner — or beneficiaries' counsel — years later.
Touches the Reasoning Engine, the Bridge, and the Record.
02 · Practice
Scale without letting convention drift account by account. The Reasoning Engine applies the firm's own definitions — fee schedules, principal-and-income conventions, exception policy — so consistency is produced by the same layer that captures the officer's correction.
Touches the Reasoning Engine, the Bridge, and the Record.
03 · Practice
Trusts and estates work is defensibility work. r.Team gives counsel and the fiduciary desk a single interpretive layer: the distribution standard as written, the successor chain, the power of appointment — versioned, cited, and reviewable before anyone acts on a paraphrase.
Touches the Reasoning Engine, the Bridge, and the Record.
04 · Practice
As advisory practices take on fiduciary administration, the wealth stack is not enough. Advisors need the trust's constraints in the same layer as the portfolio — distribution standards, administrative state, fee basis — without a rip-and-replace of custody or the portfolio system.
Touches the Reasoning Engine, the Bridge, and the Record.
For investment advisors →05 · Practice
Private-placement life insurance only works if the tax position is earned by tests, not by the wrapper’s name. The policyholder gives up control. Premium sits in an insurance-dedicated fund or a separately managed account whose investments are sourced and overseen solely by the adviser. Assets must stay diversified. Investor control must stay at arm’s length. The record must still answer an examiner years later.
r.Team holds those constraints in the same layer as the accounts. Each holding is tracked by where it is booked: policy and separate account, IDF or SMA vehicle, custodian account, instrument, and tax lot—so asset location is a books-and-records fact, not a planning slogan.
Touches the Reasoning Engine, the Bridge, and the Record.
06 · Practice
A structured settlement is a payment obligation first, an annuity second. Tax-free treatment under the Code holds only if the stream stays fixed and determinable, the payee never takes constructive receipt of the lump sum, and a qualified assignment actually moves the liability. Change the dates, let the claimant steer the funds, or break the assignment chain, and the structure becomes taxable income.
r.Team holds those constraints with the file: settlement agreement, qualified assignment, funding annuity, payee, and payment calendar. Each dollar is tracked by where it is booked—obligor or assignment company, annuity contract, scheduled payment, and any court-approved transfer of payment rights.
Touches the Reasoning Engine, the Bridge, and the Record.
Inside every practice
Four roles on the engine: administrators, operators, compliance, and investment advisors. Advisors also have a dedicated path: For Advisors. See them on the home page, or read how fiduciary reasoning differs from trust accounting.
Where judgment lives. Cited rationales for discretionary work. Accounts that need an officer's attention, not a dashboard of noise.
Where arithmetic lives. Fee blocks, principal and income, tax lots, exceptions — measured against the firm's own definitions.
Guardrails and audit readiness. Edge cases surface early, with reasoning trails that stand up to examiners and internal audit.
Portfolio judgment brought into the same layer, so investment decisions stay aligned with the trust's governing rules.
For investment advisors →Below the platform
r.Team does not replace the appointment or the custodian. The Bridge is one governed doorway. Discovery proposes. The operator decides. The record proves what happened.
Connected role
The trustee of record — individual, professional, corporate, directed, or successor — remains the fiduciary. Trust Intelligence encodes the appointment, the successor chain, and the conditions that trigger succession, so every proposal is made in light of who actually holds the office.
Connected system
The Bridge speaks the language of custodial feeds, positions, cash, and corporate actions. It reads without rewriting the core. Every access is inspected and logged. Nothing writes back through the Bridge until the human decision is recorded.
Why this shape
Fee compression ended the old differentiator. What remains is the quality, consistency, and defensibility of administration itself. r.Team is built for the institutions making that shift — and for the people whose judgment the institution cannot afford to lose.
01 · Practice
Professional trustees, trust companies, law firms, RIAs, insurance carriers, and structured settlements work beside the Reasoning Engine.
02 · Decide
The Reasoning Engine prepares and proposes. An officer reviews, corrects, or approves — from the desk or the mobile app.
03 · Record
Approved actions may cross to trustees' systems and custodians. Every event is written to the per-account hash chain.
A focused walkthrough of the Reasoning Engine, the Bridge, and the record — mapped to your appointments, your custodians, and the work your team actually does.
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