The meeting is the file note.
The conversation is transcribed and summarised on the client record while you are still shaking hands. Nobody types it up afterwards.
The AI CRM for New Zealand financial advisers
Every other CRM stores the admin.
This one does it.
Ledger Black is an AI-driven CRM built to run an autonomous FAP. The meeting becomes the file note. The fact find updates itself. Documents that land in your inbox are filed against the right client. The Statement of Advice is drafted before you sit down. KiwiSaver, insurance, mortgages, planning and investment, in one client record, hosted in New Zealand.
20+
Advice firms across New Zealand.
And growing.
They’re moving beyond manual admin. Are you?
From solo advisers to teams of 40 and growing.See why firms are making the moveWhat you are actually buying
Other tools tell you how much time you’ll save.
We’ll tell you how long it takes.
The meeting ends. The file note is written, the fact find is updated, the follow-ups are set and the advice document is drafted, waiting for your review. Minutes. Not an afternoon.
The record updates itself.
Changes to income, cover, goals and circumstances are extracted from the conversation and proposed against the fact find. Documents emailed to you are filed against the right client, and the information in them is read.
The draft is waiting for you.
Statement of Advice, file note and follow-up tasks are drafted from the record. You check them, change what you want, and approve. Your judgement stays in the process. The typing does not.
LEDGER BLACKAfter the meeting
Example client / Annual review · Meeting ended 10:47
Alex Example
Meeting transcribed and summarisedOn the client record
10:48Fact find changes proposedIncome updated · new goal added · 2 items to confirm
10:49Follow-up tasks createdRequest payslip · book review in 12 months
10:49Statement of Advice draftedReady for adviser review
10:52Elapsed since the meeting ended
5 minutes.
Everything above exists on the record. Nothing has been sent to the client. Nothing goes out until you approve it.
“Reduces admin time drastically and sorts out all your leads/prospects in beautiful looking pipelines.”
Read more from R.D.
“Cannot recommend this system enough, it’s a great use of AI mixed with personal touches.
Reduces admin time drastically and sorts out all your leads/prospects in beautiful looking pipelines. It’s got inbuilt transcribers for your meetings, SMS integrations, meeting reminders and so much more.
Cannot recommend this enough.”
Excerpt from R.D.’s review. The opening sentence is omitted for privacy; the remaining wording is unchanged.
New Zealand hosting / Built into the platform
Your client records.
At home in New Zealand.
Financial lives. Family circumstances. Years of trust. Your client records, documents, recordings and backups are stored on New Zealand-owned infrastructure.
LEDGER BLACKNZ / DATA RESIDENCY
Client recordsDocumentsRecordingsBackups
NZ-owned infrastructure. NZ-hosted records.
Your practice’s stored client data is hosted and replicated within New Zealand. Not just a New Zealand address on an overseas storage service.
AI in your CRM. Not another personal chat.
Meeting summaries, document drafts and client context belong in your advice workflow. Ledger Black brings those tools into the CRM, with authenticated access and company-aware AI configuration.
NZ hosting is not the same as NZ-only AI.
Some Ledger Black AI and transcription features use overseas providers. We do not claim that all processing stays in New Zealand. Ask us about the providers, processing locations and data terms for the features your firm will use.
Better tools. Fewer risky workarounds.
Your advisers shouldn’t need a personal AI account to do their job.
When software leaves the hard work to the adviser, copying a client file into a personal AI chat can feel like the shortcut. It can also put confidential information outside your firm’s controls.
Using client information in unapproved AI tools can breach Privacy Act obligations. The risk depends on what is shared, why, and the provider’s safeguards. Your firm remains responsible—including when using AI built into a CRM.
Read the Privacy Commissioner’s AI guidance
A different kind of working day.Built around your practice
On your own.
Growing a team.
You’re in good company.
Over 20 FAPs have come on board. Solo advisers and teams of 40 are choosing a more connected way to work.
Bring client management, documents and ongoing servicing into the same platform. Give your people a shared view of the work, without making every step another person’s job.
For the independent adviser
Preparation and organisation behind you. Your expertise at the centre.
For the growing practice
Shared workflows, team permissions and visibility across the client book.
One platform / Fewer gaps between the work
One client record.
The whole practice around it.
Connected work.
Clear responsibility.
Source information and review activity stay with the client record. You check generated content and approve sensitive actions. Ledger Black provides the technology; your practice gives the advice. Connected records do not replace professional review or your compliance obligations.
“LedgerBlack feels like the future is already here”
Read the full review from D.S.
“LedgerBlack feels like the future is already here, how fast I can navigate the website with my voice and do all of my work without lifing a finger is mind blowing, let alone how well it writes the recommendations. This tool hasn't just saved me hours, it actually only takes me minutes to do things and have it already sent to sign. James and his team are geniuses and show me how powerful AI can be”
Original wording from D.S. Individual experience, not a guaranteed document turnaround time.
All your advice processes / Under one roof
Different advice.
One connected client picture.
Your clients’ financial lives don’t fit into separate software systems. Work across advice disciplines without starting a new client file or losing the context of the relationship.
01
KiwiSaver
Goals, fund research and retirement projections.
02Insurance
Needs analysis, authorised quoting, recommendations and reviews.
03Mortgages
Fact find, affordability, lending scenarios and documentation.
04Financial planning
Cash flow, goals and long term projections.
05Investment advice
Risk profiles, research, recommendations and ongoing reviews.
Work within your authorised advice scope. Investment advice workflows are available separately from the planned portfolio and DIMS connections below.
Voice, with purpose
Tell your CRM
what needs doing.
Open the client record. Find the meeting. Prepare the next task. Use your voice to direct supported work inside Ledger Black, without breaking your train of thought.
Meet your AI workforce“Create a task for Alex Example: follow up on the outstanding documents in three days.”
Proposed taskAwaiting approval
Follow up on outstanding documents
- Client
- Alex Example
- Assigned to
- Example adviser
- Due
- 22 September 2026
An internal task. No client message sent.
Better on both sides of the table
Your clients
feel the difference.
Clear financial tools. Considered advice documents. Straightforward signing. An experience that makes the conversation easier to follow, from the first meeting to the next review.
Experience the personal side
“We have found the crm cuts out the million additional external steps you usually need to do on other crm platforms.”
Read the full review from J.N.
“Insurance and KiwiSaver adviser here. I cannot recommend Ledger Black enough to advisers when they ask what CRM we are using.
Having used a few different crm systems over the last few years, nothing has compared to how streamline the crm makes an advice process. It's incredibly easy to use, easy to learn and is bringing an advice process into the 21st century. From a user point of view, it's very customisable for those that need prompted for tasks to complete, as well tracking any business in your pipelines. It allows you to build advice, check, and check again that everything is compliant before presenting/sending to the client without it feeling like your head about to implode.
And, from the client's point of view, it is very attractive from a presentation view when in the advice process as well as document signing being a breeze, especially for those that would usually need to print and scan everything. We have found the crm cuts out the million additional external steps you usually need to do on other crm platforms.
Again, could not recommend the crm enough, and well worth getting in touch with the team at LB.”
Original wording from J.N.
Your connections / In the workflow
Connected where it counts.
Built in where it matters.
Your inbox, calendar, quoting, phone and lead sources plug into the client record, and the AI works across all of them. Documents, signing, video meetings and AI are native. There is no extra stack of subscriptions to assemble.
Gmail / Google WorkspaceAvailable with setup
Email and calendar connected with your account authorisation. Inbound mail is matched to the client and attachments are filed and read. Google Meet links on scheduled meetings.
Outlook / Microsoft 365Available with setup
Email, calendar and Teams meeting links connected to the advice workflow, with the same inbound filing and drafting.
QuotemonsterAvailable with setup
Insurance quoting and research through your authorised connection, inside the advice process. Provider and product access apply.
SMSAvailable with setup
Two-way text messaging on the client record: reminders, follow-ups and AI-drafted replies you approve before they send.
Lead capture: website forms, Facebook Lead Ads, ZapierAvailable with setup
New enquiries land in your pipeline automatically through per-source webhooks, ready for the first follow-up.
ZoomAvailable with setup
Connect your Zoom account to schedule meetings from the client record. Ledger Black also has its own built-in video meetings with transcription.
Akahu open bankingAvailable by arrangement
Client-consented bank account connections for income and expense verification, configured for your practice with us.
Xero, AML identity checks and custom API integrationsAvailable by arrangement
Accounting connection, electronic identity verification for AML, and scoped API integrations with your other systems. We confirm the workflow and access requirements with you.
On the horizon
Not available today. Scope, access and release timing will be confirmed before launch.
WhatsApp, Slack and Teams chat
The same AI-drafted, adviser-approved messaging, on the channels your clients and team already use.
Sharesight
Portfolio connectivity. No committed release date.
DIMS
Discretionary investment management connectivity. Providers, scope and timing to be confirmed.
Planned connections and channels are not confirmed partnerships or release commitments. DIMS describes a service category, not a single provider.
Explore available connectionsFrom the Ledger Black blog
A little perspective.
For the work ahead.
By Ledger Black4 min read
The Revolution Was Quiet. Most of the Industry Missed It.
By Ledger Black5 min read
How Much of Your SOA Is Boilerplate? The FMA Is Asking
By Ledger Black4 min read
The Meeting Happened. Where's the File Note?
Your next chapter
Find out why New Zealand
advice businesses
are choosing Ledger Black.
Show us how your practice works.
We’ll show you what could work differently.
Reserve your place in our next intake
Enquire about the next intake. We’ll discuss fit and timing with you.
About this page & photography
Workflow illustrations use synthetic information and are not screenshots or live demonstrations. Testimonials include full reviews and excerpts, attributed by initials at the authors’ request.
Photography: Vitaly Gariev, Zeynep Sude Emek and Kampus Production / Pexels. Stock models and locations are illustrative, not Ledger Black staff, customers or endorsers. Image sources · Pexels licence. Blog photograph: Natalia S / Pexels.