In this episode of The WealthTech Podcast, host Mark Wickersham welcomes Ray DiNunzio, Partner at TOS Advisors, for an in-depth conversation on how family offices can radically improve operational efficiency through technology and intentional design.

Ray shares the origin story of TOS Advisors and how his experience building TOS Advisors led to a bold realization: most family offices are overburdened by administrative complexity, poor process design, and underwhelming tech stacks. Drawing inspiration from exponential organizations and Silicon Valley principles, Ray and his team reimagined what a high-performing family office could look like—with fewer people, less friction, and better outcomes.

Key topics include:

• Why “technology is sold, not bought” in the family office world
• The limits of all-in-one platforms and the case for best-of-breed integration
• How to avoid tech debt, scope creep, and failed implementations
• AI’s real role in reconciliation, data quality, and investment decisioning
• Why you can’t out-software bad processes—and how to design with intention

As always we end the podcast on a personal note with three questions that have nothing to do with wealthtech.

🎥 Watch on YouTube: https://youtu.be/BGbmOAxnSdc

About Ray DiNunzio

Ray is a family office and fintech technology executive with over two decades of experience spanning traditional wealth management and digital transformation. During his tenure on the executive team at UBS, he helped establish and oversee the Private Wealth Management division and played a pivotal role in developing UBS's Global Family Office practice for North America.

Now focused on the intersection of technology and family office operations, Raymond leads TOS Advisors, a firm that delivers cutting-edge digital infrastructure services to family offices ranging from $100 million to $16 billion in assets. He serves as a board advisor to emerging technology companies and collaborates with venture capital firms to test and launch innovative fintech solutions.

About TOS Advisors

TOS Advisors is a specialized co-sourced service provider designed exclusively for leading single-family offices. Since 2019, the firm has been addressing a critical challenge in the family office community: the frustration many offices face in adopting, managing, and operating sophisticated technologies at the highest levels.

At the core of TOS Advisors' methodology is a commitment to workflow automation, transforming family office operations through strategically designed, technology-enabled environments. This approach allows family offices to access cutting-edge capabilities without the overhead of building and maintaining complex technology infrastructure in-house. This allows a high-performing office to operate a lean, disciplined family office with intention and modern organizational structure.

About The WealthTech Podcast:
The WealthTech Podcast is a bi-monthly interview series hosted by Mark Wickersham. Each month we present conversations with various industry leaders that focuses on the challenges family wealth firms face with technology, people and process. The podcast is produced by Brad Oliver.

The WealthTech Podcast is brought to you by the generous support of Risclarity. Risclarity fills the technology gaps family wealth firms face when serving the complex needs of ultra-high net worth families.

Disclaimer
Information provided is for educational purposes only. Opinions expressed and estimates or projections given are as of the date of the presentation there is no obligation to update or provide notice of inaccuracy or change.