Introducing Savvy Intelligence

The Advisor Industry Is Splitting in Two

Most advisors are spending the best hours of their day on the wrong work. They just can't tell, because it looks exactly like the right work. You sit down at 7:30am, open 6 platforms, and spend 45 minutes stitching together a picture of your client's financial life. Portfolio here, financial plan there, notes somewhere else. You've done this for years. It feels like rigor. But the process itself is the problem.

In March, BlackRock CEO Larry Fink put it plainly in his annual letter: "In industry after industry, we're seeing more divergent, 'K-shaped' outcomes, where leading firms pull further ahead while others struggle to keep pace. AI may accelerate this trend further." He was talking about the broader economy. We've been watching the same thing happen inside wealth management for two years.

This is what it looks like.

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One group of advisors is pulling away: growing their books, compressing their prep time, taking on more households without sacrificing quality. They're integrating AI into their workflows, and it's compounding. Every quarter, the gap between them and everyone else gets wider.

The other group is working just as hard (probably harder) and falling behind. Their tools are fragmented. Their prep takes hours. Their capacity is capped. They're good advisors doing the job the way it's been done for 20 years, and the math is starting to work against them.

What makes this divergence particularly hard to reverse is that staying on top of AI when it isn't your core job responsibility is an enormous task. You became an advisor to give counsel, build relationships, earn trust. You didn't sign up to feed PDFs to a chatbot or figure out which vendor's "AI-native" label actually means something. 

The advisors on the right side of this are thriving. They're compressing 3 hours of meeting prep into 5 minutes. They’re taking on more households. When their AI catches a Roth conversion window closing, they don't just save a client money; they earn the kind of trust that turns one client into three.

The divergence is already happening. The question is which side you're on.

We made a bet at Savvy that the right answer is AI built for advisors, by advisors. AI that handles the prep work, the data assembly, the scenarios you'd build by hand if you had 4 more hours in the day. The advisor earns trust, gives counsel, sits with someone in a hard moment and helps them think clearly. 

Today we're announcing Savvy Intelligence and the Financial Planning Agent, the first agent built on top of it.

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How We Got Here

The history of technology in financial services is largely a history of things bolted onto other things. A platform is built for one purpose; a need arises for another; an integration is attempted; the integration half-works; everyone agrees to live with it. At Savvy, we approached things differently from day one.

We have a group of advisors who test and shape the product with us. They're in the room (sometimes literally, sometimes on a Thursday night Zoom) telling us what's broken, what's missing, and what would actually change their day. Over time, this group has become something more than a feedback loop. It's a tight-knit community of advisors who are challenging the status quo together, pushing each other forward, pressure-testing ideas in real client conversations, and raising the bar for what an independent practice can look like.

Years ago, they told us: "I went independent and ended up drowning in operations." The average independent advisor we spoke to spent roughly 70% of their time on everything except clients.

So before we ever shipped an AI feature, we built the foundation they asked for. Every piece of client data (account details, investments, financial plans, tax information, meeting notes) in one place. Today, Savvy consolidates an average of 12 vendors for the advisors partnering with us. Over 100 advisors run their practices on Savvy, managing more than $5B in client assets. They're saving an average of 19 hours a week.

We built that foundation knowing AI was coming. And when it arrived, we were ready. Most companies are now scrambling to bolt AI onto fragmented systems. We just had to plug it in.

The advantage here is structural, not cosmetic. Most AI tools in this industry can only see one system. The ones that try to see more are stitching together integrations across platforms that were never designed to talk to each other. Our agents don't have that problem, because they pull from the complete picture. That's a direct result of advisors telling us, years ago, to fix the plumbing first.

That's how everything at Savvy gets made. Advisors say "this is what I need," and a team of really talented engineers figures out how to make it real.

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Introducing Savvy Intelligence

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Today we're launching Savvy Intelligence: your practice in one screen, with AI agents that pull from your full client picture and work alongside you in real time.

The first agent is the Financial Planning Agent. Here's what it does for you.

Say you've got a client meeting at 10am. The Hendersons. Your morning used to look like this: pull up the portfolio in one system, check the financial plan in another, dig through meeting notes from 3 months ago to remember what they said about that lake house, cross-reference the tax return their CPA sent over. 45 minutes of assembly before you can even start thinking. 

With Savvy Intelligence, you log into Savvy and the full picture is already there. Household-level view: assets, liabilities, tax situation, estate plans, insurance, cash flow, goals. All connected, updated in real time.

The Financial Planning Agent has already:

Flagged that the Hendersons' Roth conversion window is closing.

Built 2 scenarios comparing the tradeoffs.

Pulled together talking points on their charitable giving strategy and how it interacts with their estate plan.

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The summary is sitting there for you to review, adjust, and share. You walk in prepared. The Hendersons get a better meeting. And you got 45 minutes back before your day even started.

Every minute we give back is a minute you can spend however your practice needs it. Some are scaling without adding headcount. Some are scaling faster with the team they already have. Some aren't scaling at all; they're going deeper on fewer relationships and delivering a level of service that was impossible before. AI doesn't prescribe one way to run your practice. It makes you dynamic enough to run it your way.

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Built with Advisors, Not Just for Them

We didn't build Savvy Intelligence in a vacuum. Advisors shaped it. They showed us which workflows ate the most time and where AI could genuinely help (and where it got in the way).

The Financial Planning Agent exists because advisors kept describing the same pain point: 45 minutes of scattered assembly before every client meeting, across half a dozen systems, just to walk in prepared.

The same advisors who described the problem were the first to test it.

Over 100 advisors are now running this agent in real practices, with real clients, every day. The agent gets sharper because of them, and they get sharper because of each other. That's the compounding effect of a community: one advisor discovers a workflow that saves 20 minutes, and within a week it's baked into the product for everyone. 

No single advisor working alone with an off-the-shelf tool is going to replicate that.

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Where This Is Headed

The Financial Planning Agent is the first agent. It won't be the last.

Underneath it is an intelligence layer that reads across accounts, financial plans, tax data, meeting notes, estate documents, and understands how they all interact. The Financial Planning Agent is just the first place that intelligence surfaces. We're building agents for investment analysis, tax planning, estate coordination, and monitoring changes across your book that need attention before they become problems.

So when the Financial Planning Agent flags a rebalancing opportunity, the tax agent (already aware of the client's gifting plans from a meeting note last month) adjusts the recommendation before it reaches your screen. When a client's estate plan contradicts their beneficiary designations, Savvy Intelligence catches it. When a market event hits and 40 of your households have concentrated positions in the same sector, you know before your morning coffee.

That kind of coordination used to require a team of specialists. We're building it into the platform. And every agent we add makes the ones before it smarter, because they're all drawing from the same picture. That's the structural advantage, and it widens every time we ship.

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The K Is Widening

The advisors on Savvy are already on the upward slope of this divergence. They're compressing hours of prep into minutes. Catching things they would have missed. Taking on more households without burning out.

And the gap is compounding. Every quarter that passes, the distance between advisors with AI built into their workflow and advisors stitching together spreadsheets and siloed tools gets harder to close. The technology won't slow down to let people catch up.

You can't close this gap by reading a few articles or attending a conference. The advisors pulling ahead are the ones who chose to be part of something: a community of practitioners who are building alongside each other and collectively raising the standard for what an independent advisory practice looks like. They're not just using better tools. They're in the room shaping them.

If you're already on Savvy, Savvy Intelligence and the Financial Planning Agent are available starting today. 

If you're not, the best time to get on the right side of this curve was a year ago. The second best time is now.

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