Retirement planning firms bill in ways that AUM fee sweeps never had to worry about. Planning retainers, one-time engagement fees, and subscription-style packages all depend on invoices that clients actually open, approve, and pay. When one sits unpaid, someone on your team chases it, and that someone is usually a planner or ops lead who has better things to do than leave voicemails. Upflow reports roughly 70% of US invoices get paid late, and collection rates drop sharply past the 90-day mark. A phone call works where email stalls because a live conversation confirms the invoice arrived, surfaces a dispute or missing approval on the spot, and gets a specific payment date. The catch is doing it consistently and inside compliance boundaries, since client communications in this industry carry real scrutiny. This 2026 guide compares three options for payment and invoice reminder calls, from done-for-you managed calling to AR automation with voice built in. We looked at real features, published pricing, and compliance posture.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. First campaign review is free.
My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service, owned and operated by AIQ Labs, based in Halifax, Nova Scotia, with an operating base in Austin, Texas. It is not software you have to learn, staff, or monitor. You buy campaigns the team runs for you, each scoped around one clear goal and quoted in full before launch. For retirement planning firms, the Payment & Invoice Reminder Calls campaign places calls a few days before an invoice due date and follows up with structured calls if the payment stays unpaid. That maps directly onto how firms chase planning retainers, engagement fees, and subscription invoices that fall outside the AUM sweep. The promise is simple: run more useful calls without building a bigger call center. What separates My AI Call Center is list discipline and a compliance-forward process. Every campaign runs only against approved, permissioned, or reviewed contact lists. List source and consent records are checked before any campaign launches, and bought lists without clear permission records are flagged and, in most cases, declined. As the company puts it plainly, they tell you if a list will not support the campaign before you spend anything. That matters for an RIA, where calling the wrong household or working from a list without documented consent creates real exposure. AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required. AI disclosure happens on every call, recipients can ask for a human, and keyword opt-outs (STOP and REVOKE) are honored immediately. State-specific quiet hours and calling rules are respected, and DNC requests are carried into your client records. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. Outcomes route back into the CRM and scheduling tools you already run, with named disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests delivered to your team. Hot items can transfer to your staff live or land in your CRM. The company's no-invented-numbers policy means you see what actually happened on every call, never fabricated metrics or testimonials. Pricing starts at 9 cents per connected minute, tiered by volume, with the rate locked for the campaign and never moved mid-run. Most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. There are no per-seat charges, no platform bill, and no minimums you did not choose. The first campaign review is free, so you know the full number before approving anything.
Pros
- Done-for-you managed service with no per-seat charges, no platform bill, and no minimums you did not choose
- Rate locked before launch and never moved mid-campaign, with the full number known before you approve
- Strict list and consent review before you spend anything protects the firm's compliance posture
- Honest disposition-coded outcome reporting routed into your existing CRM and scheduling tools
- Free first campaign review
Cons
- Not self-serve software; campaigns are quoted and run by the provider, which may not suit teams wanting instant DIY control
- It handles the calling campaigns, not invoicing or payment processing itself
- Campaign requirements vary by location, industry, contact type, and consent status; clients are responsible for obtaining appropriate legal guidance before launch
Best for: Retirement planning firms (typically 1–200+ staff) that want managed, compliance-forward reminder calls against approved client lists without building an in-house collections function or buying another software seat.
#2 AdvicePay — Contact for pricing. Smith.ai reported a $10 per month starting point for independent advisors, but US Tech Automations' July 2026 check listed AdvicePay as quote-based with firm/client scope, so confirm current pricing with the vendor.
AdvicePay is the payment processing platform built specifically for fee-for-service financial planning, which makes it the closest software match for retirement planning firms billing retainers and engagement fees by invoice. According to a Kitces.com review, it was created to solve a compliance problem most general payment processors do not address: many mainstream processors do not meet state regulator expectations for avoiding custody and providing proper client notifications, and some prohibit financial advisors from using them at all. AdvicePay was designed to facilitate one-time and recurring planning fees in a manner intended to be compliant for registered investment advisers. For a firm where the central receivable is a planning retainer, that category fit is hard to beat. On the reminder side, the platform supports recurring and automated billing, customizable invoices, approval features, and integrated payment processing, according to a Smith.ai roundup of billing solutions for financial planners. A missed or failed recurring payment can trigger follow-up inside the billing system itself, which keeps the reminder attached to the actual invoice record instead of a separate spreadsheet. Smith.ai also lists automated payments, recurring invoices, an API for integrations, and premium data security among its capabilities. A 2026 comparison from US Tech Automations scored AdvicePay highest on invoice ownership, reminder control, and advisor context. The trade-off is scope. AdvicePay is built for planning-fee billing, not general firm accounting, and its reminders live inside the billing workflow rather than on the phone. The US Tech Automations analysis advises buyers to verify approval roles, failed payment handling, refunds, partial adjustments, and exports before committing. If your receivable is ordinary firm accounting outside planning engagements, your accounting platform may already handle the flow.
Pros
- Category fit is unmatched; it is the specialist for planning-fee billing
- Compliance-first design aimed at RIA custody and notification rules
- Recurring billing automation reduces manual invoice chasing at the source
- Integrates payment processing directly with advisor workflows
Cons
- Quote-based pricing makes cost comparison harder
- Reminder capability is tied to its billing flows; it is not a managed calling service
- Not suited to general firm receivables unrelated to planning engagements
Best for: Fee-for-service and retainer-based retirement planning firms whose central billing use case is planning fees, hourly engagements, or recurring retainers that must stay outside custody.
#3 Chaser — Compact plan from A$399/month according to their website; free trial available.
Chaser is an accounts receivable automation platform that includes Auto-call, a feature designed to reduce manual intervention when chasing late payments. According to Chaser's website, Auto-call lets finance teams schedule automated phone calls that deliver pre-scripted, text-to-speech payment reminders on the days and times they choose. Each call is personalized to the recipient, and because calls are placed instantly on schedule, overdue invoices get followed up without waiting for a staff member to clear their to-do list. For a retirement planning firm, that solves a familiar problem: the planner or admin who should make the reminder call during a busy review season simply never gets to it. Chaser also supports a multi-channel approach, letting firms schedule phone, SMS, and email reminders in one system so reminders get seen without bombarding clients. The platform integrates with Xero and QuickBooks Online, which covers the two ledgers most small and mid-size planning firms close in. Chaser reports that over 10,000 users worldwide rely on the platform to get paid faster, and a free trial is available. Automated follow-ups can be disabled for specific clients, and multiple follow-ups can be set on a single invoice, according to the company's FAQ. One thing to be clear about: Auto-call is not a conversational AI agent. It delivers pre-scripted text-to-speech messages rather than holding a two-way dialogue, so it will not capture a promise-to-pay date or handle a fee dispute on the call. For consistent, automated call reminders without asking staff to dial manually, though, it is a solid and proven option.
Pros
- Automated phone calls remove the need for manual dialing
- Multi-channel scheduling keeps reminders coordinated across phone, SMS, and email
- Xero and QuickBooks integrations fit existing accounting workflows
- Personalized text-to-speech templates save preparation time
Cons
- Pre-scripted text-to-speech is not a conversational AI agent, so no two-way dialogue or promise capture
- Published pricing may be better suited to larger AR teams than small practices
- No retirement-planning-specific workflows or engagement context
Best for: Finance teams and retirement planning firms using Xero or QuickBooks that want automated phone, SMS, and email reminder sequences without manual dialing.
Picking the right reminder approach comes down to who you want making the calls and what you need back from them. If you want a managed campaign run against your approved client list, with consent review before you spend anything and disposition-coded outcomes routed into your CRM, My AI Call Center is the fit, and the first campaign review is free. If your central receivable is planning-fee billing and you want reminders living inside a compliant billing workflow, AdvicePay is worth a quote. If you just want automated, scheduled reminder calls layered onto Xero or QuickBooks, Chaser does that job well. Whichever way you go, start with the invoice window where firms actually lose money: the days before the due date and the weeks right after. Plan your campaign at myaicallcenter.app and see the full number before you approve launch.
Frequently asked questions
What makes My AI Call Center different from self-serve reminder software?
It is a managed service rather than software. You buy campaigns the team runs for you, each scoped around one clear goal and quoted in full before launch. List source and consent records are reviewed before any campaign starts, bought lists without clear permission records are flagged and usually declined, and you approve the script, disclosure, opt-out handling, and escalation path before anything launches. There are no per-seat charges and no platform bill.
How does My AI Call Center handle compliance on reminder calls?
AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required. AI disclosure appears on every call, recipients can ask for a human or opt out, and keyword opt-outs (STOP and REVOKE) are honored immediately. State-specific quiet hours, day restrictions, and registration rules are respected, and DNC requests are carried into your client records. Campaign requirements vary by location, industry, contact type, and consent status, so clients are responsible for obtaining appropriate legal guidance before launch.
When should a retirement planning firm place payment reminder calls?
A few days before the invoice due date, with structured follow-up if the payment stays unpaid. That window is where most firms lose money: the invoice has gone out, the client has not paid, and nobody has called yet. Research from Upflow puts roughly 70% of US invoices at late, and collection rates drop substantially past 90 days, so early contact matters.
What does My AI Call Center cost?
Calling starts at 9 cents per connected minute, tiered by volume, with the rate agreed before launch and locked for the campaign. Most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. There are no per-seat charges, no platform bill, and no minimums you did not choose. The first campaign review is free, so you know the full number before approving anything.
How do reminder call outcomes get back into our systems?
Every campaign ends with a named outcome report: disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests routed into the CRM and scheduling tools you already run. Hot items can transfer to your team live or land in your CRM. You also get a dispositioned contact list, outcome counts, a completion and coverage report, and opt-out and DNC logs.
Is AdvicePay a replacement for reminder calls?
No. AdvicePay is a billing and payment platform for fee-for-service planning fees. Its reminders live inside the billing workflow, which reduces the number of invoices that ever need a phone call, but it is not a voice-calling service. Pricing is quote-based, so confirm current rates with the vendor.
Can Chaser's Auto-call handle a conversation about a disputed invoice?
No. According to Chaser's website, Auto-call delivers pre-scripted, text-to-speech payment reminders on a schedule you choose. It does not hold a two-way dialogue, so it will not capture a promise-to-pay date or resolve a fee dispute on the call. It works well for consistent, automated reminders across phone, SMS, and email.