By Corrie Scoby  • Chief Consultant & Owner, Three Lumos Consulting, LLC When most Registered Investment Adviser (RIA) firm owners think about compliance, they focus on regulatory deadlines, required disclosures, and avoiding fines. But there’s another layer of cost—less visible, often overlooked, and increasingly significant. It’s the operational infrastructure that supports your compliance program: the technology, workflows, and vendor relationships that keep your firm audi