The real risk isn’t AI. It’s what happens when clients start thinking for themselves. There’s a quiet shift happening in financial advice. It didn’t start with regulation.It didn’t start with Consumer Duty.And it won’t be solved by another compliance framework. It started when the client walked into the meeting…with ChatGPT open. 🔹 The Headline Everyone … Continue reading “Clients Are Bringing ChatGPT Into the Advice Meeting. Good.”
Tag: chatgpt
Apocalypse Now? No. The Power Shift Has Already Happened.
There’s a familiar pattern playing out across financial services. Panic.Denial.Then debate. “Will AI destroy financial data firms?”“Are incumbents safe?”“Is this the end—or just another hype cycle?” It’s the wrong conversation. Because while the industry argues about who owns the pipes…the flow of power has already changed direction. The Industry Is Fighting the Wrong War The … Continue reading Apocalypse Now? No. The Power Shift Has Already Happened.
Breakfast at Tiffany’s… While the Power Shift Happens Elsewhere
By Steve Conley There’s something quietly symbolic about senior banking executives gathering at Tiffany’s to discuss the future of AI in finance. Crystal glasses. Polished marble. Legacy institutions. And conversations about “transformation.” But here’s the uncomfortable truth: While the industry debates how to upgrade itself… the centre of power is already moving somewhere else. The … Continue reading Breakfast at Tiffany’s… While the Power Shift Happens Elsewhere
AI Didn’t Kill Financial Planning. It Exposed What Was Missing.
I’ve sat in the room. I’ve experienced the training.The deep listening.The powerful questions.The emotional breakthroughs. And to be clear—there is real value in that work. For many advisers, it’s the first time they: Slow down Truly listen See the person before the portfolio It can feel transformative. But after the experience fades, a quieter question … Continue reading AI Didn’t Kill Financial Planning. It Exposed What Was Missing.
From 90/10 to 99/1: The End of Intermediation
Why AI won’t just change financial advice — it will remove the need for it The financial advice industry is still asking the wrong question. “How can AI support advisers?” It’s the wrong lens. Because it assumes the adviser remains central. They don’t. The shift has already happened For decades, the model relied on three … Continue reading From 90/10 to 99/1: The End of Intermediation
AI Won’t Create a Golden Age of Financial Advice: It Will End It
The financial advice industry is asking the wrong question. Most commentary right now sounds like this: “How can firms use AI to improve advice?” It’s a comfortable question.A safe one. But it assumes something that is no longer true: 👉 That advice remains the centre of the system It doesn’t. The Real Shift Isn’t Technological … Continue reading AI Won’t Create a Golden Age of Financial Advice: It Will End It
AI Is Making Financial Advice Faster. We’re Making It Optional.
There’s a growing consensus across the financial advice sector:AI is here to stay—but it must remain firmly in a supporting role. Recent commentary from advisers and technology providers reinforces a familiar narrative: AI improves efficiency Humans retain control Advice remains central On the surface, this sounds reasonable. Even reassuring. But underneath, something far more significant … Continue reading AI Is Making Financial Advice Faster. We’re Making It Optional.
AI Is Not the Risk. Loss of Control Is.
The financial services industry is beginning to push back. Not against AI itself—but against what AI represents. Because for the first time in decades, individuals are starting to make financial decisions without needing permission. And that changes everything. The Headline Says “Risk.” The Reality Says “Shift.” The Financial Conduct Authority has announced plans to accelerate … Continue reading AI Is Not the Risk. Loss of Control Is.
Four Pathways to the Future of Financial Planning
Why the advisers who move now will define the next decade The Profession Has Already Changed Something has shifted in 2026. For years, advisers have understood the argument for moving beyond product-led advice. The logic has always been clear: Clients want clarity, not complexity Trust comes from alignment, not incentives Planning should lead — products … Continue reading Four Pathways to the Future of Financial Planning
AI Is Making Advisers Faster. But Is It Making Clients Free?
Quilter, SJP, and the Real Question Facing Financial Planning Two announcements this week tell us everything about where traditional financial advice is heading. Quilter is rolling out AI tools to advisers.St James’s Place is doing the same. On the surface, this looks like progress. And it is. But only in one direction. What the Industry … Continue reading AI Is Making Advisers Faster. But Is It Making Clients Free?
Academy of Life Planning 