Disruption doesn’t always start with big ideas—it often starts by noticing what’s broken. In this episode of The FutureProof Advisor, I sit down with Aaron Klein, founder of Nitrogen (former Riskalyze) and his new venture Contio, to unpack how fintech evolves when entrepreneurs stay curious, resilient, and relentlessly focused on solving real problems. Aaron shares his journey from family business to building one of the industry’s most transformative tools, showing how identifying overlooked friction points—like risk alignment—can open the door to scalable innovation.

We explore the rise of AI and what it really means for advisory firms. Aaron challenges the fear narrative around automation and reframes AI as a tool that enhances—not replaces—human connection. From streamlining meetings to freeing up time for strategic conversations, he explains how today’s tools can shift advisors away from routine tasks and toward high-impact work that truly moves the needle for clients. His new venture, Kantio, is rooted in this very philosophy: using AI to make meetings smarter, more intentional, and more actionable.

At its core, this conversation is a blueprint for future-ready firms. We talk about the mindset required to continuously reinvest in your tech and operations, how to approach AI as a productivity partner, and why the structure of meetings says more about your culture than most people realize. Aaron’s path reminds us that the most transformative leaders aren’t just technologists—they’re listeners, problem-solvers, and builders who aren’t afraid to evolve when the industry demands it.