AI Financial Planning Agent

In wealth management, an agent is defined by the judgment around it as much as its capability: the data it reads, the advice boundary it holds, the point where it defers to an adviser. It earns a place in client work only when its structure can be trusted as much as an adviser's own.

Tecla builds and operates these systems inside your environment, held to the same standards your advisers answer to.

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The shift underway

AI has reached most advisory firms; making it part of how the firm runs day to day is the harder, unfinished half. The numbers show how far adoption has gone, and how much room is left.

63%

of RIAs now use AI, double the 2023 rate.

Source: Charles Schwab

1 in 10

has fully integrated AI. The rest is experimentation.

Source: Charles Schwab

40–60%

of RIAs run modern portfolio systems.

Source: Envestnet

Find out where an agent would give your advisers time back
A scoping conversation identifies the workflow worth automating first, and what it would take to build it. Free of charge.
Scope a Build
The state of AI in wealth management

Advisers have adopted AI. Almost none of it has reached the client.

Adoption is nearly universal. Around 63% of independent RIAs now use AI in some form, more than double the share in 2023, and most advisers already lean on it for notes, drafts, and research.

The revealing number is a smaller one. Only about one firm in ten has integrated AI into how the practice actually runs. Adoption is close to universal; integration is close to zero.

The cost of that gap is time. Advisers still spend close to 70% of the day on preparation, reconciliation, and compliance, and only a third with clients. What closes it is less the model than the structure around it: what the agent reads, what an adviser reviews, where it hands back.

Tecla has spent more than a decade placing senior engineers inside US companies. It builds agents the same way it places people, scoped and supervised, and operates them so they hold up against real client work long after the demo.

The structure around the model

How a system gets built, run, and owned

The reliability an agent needs comes from the arrangement around it: a scoped brief, a named team, and someone accountable at every stage. This is what that looks like from first call to a system you own.

Sprint

Scope, fixed price

We map the workflow, the data access, the decision limits, and the metrics that will tell you it works, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers build the agent in your environment and integrate it with the data and systems you already run.

AI Systems Lead
Run

Monitored and improved

Through Managed Operation we keep the system reliable, report against the metrics set at scope, and improve it as data and workflows change.

Systems Lead + Engineers
Own

Yours, improving

You own the system end to end, and it sharpens over time instead of aging into a tool nobody maintains.

Your team
Where we put it to work

One agent per workflow, specialists inside

The same approach applies across the practice. Each system takes on one workflow an adviser or their team runs by hand today, from portfolio monitoring to client prep, inside the tools you already use.

Client Lifecycle
Portfolio & Planning
Reporting & Operations
Compliance

Client Lifecycle

From first proposal to funded account, the work that turns a prospect into a client.

Client Onboarding Agent

Runs onboarding from signed agreement to funded: collects data once, fills custodial forms, and catches NIGO before submission.

client onboarding automation · NIGO

Proposal & IPS Agent

Scans a prospect statement, compares portfolios, and drafts a branded proposal and IPS in minutes.

investment proposal · ips automation

Meeting Prep Agent

Assembles the briefing before every client meeting from the CRM, portfolio, and plan.

ai meeting prep for advisors

Portfolio & Planning

Managing the money and building the plans, from monitoring and rebalancing to retirement and estate.

Portfolio Monitoring Agent

Watches every account for drift, risk, and opportunity, and prepares the work an adviser reviews.

ai portfolio monitoring

Portfolio Rebalancing Agent

Builds tax-aware rebalancing trades across the household and routes them on approval.

ai portfolio rebalancing

Tax-Loss Harvesting Agent

Scans taxable accounts daily for harvestable losses, respects wash-sale rules, and prepares the trades.

tax-loss harvesting automation

Direct Indexing Agent

Builds and maintains custom index sleeves, applies screens, and harvests at the position level.

direct indexing automation

Held-Away Account Management Agent

Manages outside 401(k)s and held-away accounts through compliant, permissioned access.

held-away account management

Account Aggregation Agent

Pulls each client's full financial picture into one place and keeps the data clean as feeds break.

account aggregation for advisors

Financial Planning Agent

Turns client data into a first-draft plan with projections and scenarios for the adviser to own.

ai financial planning

Retirement Planning Agent

Builds the income plan behind retirement: drawdown sequencing, Monte Carlo, and claiming decisions.

ai retirement planning

Estate Planning Agent

Reads wills, trusts, and beneficiary documents, and surfaces the planning gaps an adviser should raise.

ai estate planning

Reporting & Operations

The recurring back-office work: client and performance reporting, billing, and cross-tool workflows.

Client Reporting Agent

Assembles client reports and drafts commentary from verified figures, ready for the adviser to send.

client reporting automation

Performance Reporting Agent

Consolidates multi-custodian data, calculates returns and attribution, and reconciles every figure.

performance reporting software

Fee Billing Agent

Runs the advisory fee cycle: calculates against each schedule, reconciles, and flags exceptions.

ria fee billing software

Advisor Workflow Agent

Runs the repetitive cross-tool work between the CRM, portfolio, custodian, and document systems.

advisor workflow automation

Compliance

Keeping the firm exam-ready as AI multiplies the communications a compliance team must review.

Compliance Review Agent

Reviews marketing, communications, and advice against your policies and flags what needs an officer.

ai compliance review for advisors

Start the build

Begin with the workflow that matters most

A scoping call maps your highest-value advisory workflow and returns what an agent would cover, how success gets measured, and what the fixed-price Sprint to build it costs. One system, measured in production, before you expand.

Scope your first wealth agent
Read the use-case guide

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What wealth leaders ask about AI agents

What is an AI financial planning agent?

It turns a client's data into a first-draft financial plan: it gathers the intake, runs the projections, models scenarios like Roth conversions, and flags gaps. Tecla builds and operates it inside your environment, so advisers start from a draft rather than a blank page, and own the advice that reaches the client.

How is it different from software like eMoney or RightCapital?

Planning software is where the plan lives; this does the building. Instead of a paraplanner keying in data and running scenarios by hand, the agent brings financial planning automation to the work, assembling the draft inside your existing planning tool. It connects the steps your software leaves to a person.

Does it give financial advice?

No. It drafts and models only. Which path a client should take is the adviser's call, made on trade-offs no model fully captures. Everything it produces is a starting point the adviser refines and stands behind.

How are the projections kept accurate?

Every figure traces back to the assumptions and data behind it, so an adviser can verify the math before a client sees it. The agent retrieves and computes from source data; it does not invent numbers, which is the failure mode that matters most in planning.

What does Tecla's financial planning build cover?

Tecla scopes the build to your firm: which planning software you use, how deep the tax and estate modeling goes, how intake flows in, and how much of the draft reaches the client. It runs inside your environment on your own data.

Does it keep up with tax law changes?

Yes. Tecla operates the agent, keeping it current as tax rules and planning assumptions change, so projections reflect this year's rules. That build-and-operate model is what separates it from a planning tool that quietly goes stale.

How is client financial data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Client financial data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit. The Sprint maps your planning software, data sources, and modeling depth, so the agent that follows fits how your firm actually plans.

We have paraplanners already. Where does it fit?

It takes the assembly work, intake, projections, first-pass scenarios, off the team. This is ai financial planning for advisors, so paraplanners and advisers spend their time on judgment and client conversations. Tecla builds and operates it alongside them.

How do we get started?

A scoping call maps your planning workflow and returns what the agent would build, how success is measured, and the fixed-price Sprint cost. Book a scoping call with Tecla to start.

Have any questions?
Schedule a call to discuss in more detail.
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