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

Building a financial plan is one of the most time-consuming things an adviser does, and AI is compressing the build without touching the advice. The numbers show how far and how fast that is happening.

8–15

hours to produce a plan by hand, versus 2–4 for advisers with automated workflows.

Source: Cerulli Associates 2025

25–40%

more clients served at the same quality when the planning workflow is automated.

Source: Cerulli Associates

67%

of advisers now run integrated technology stacks rather than stand-alone tools.

Source: Kitces Research

How it works

What runs inside

A plan is built from intake, projections, and scenarios, and most of that work is assembly an adviser does before the real thinking starts. The agent does the assembly for each client, so the adviser starts from a draft rather than a blank page.

01

Intake

Collects the client's accounts, income, goals, and risk tolerance through a guided questionnaire or statement scan, and structures it into the planning software.

GATHERS THE DATA
02

Projection Engine

Runs the cash-flow, retirement, and Monte Carlo projections against the plan's assumptions, so the adviser sees where the client stands in minutes.

RUNS THE NUMBERS
03

Scenario Modeling

Models the what-ifs that matter, Roth conversions, retirement timing, major purchases, with their long-term tax and funding impact laid out side by side.

MODELS THE OPTIONS
04

Gap Finder

Surfaces what a first pass tends to miss: funding shortfalls, insurance gaps, beneficiary issues, and goals drifting off track.

FINDS WHAT'S MISSING
05

Plan Draft

Assembles a draft plan and a client-ready summary, sourced and organized, ready for the adviser to refine and present.

BUILDS THE DRAFT

Human in the loop

The agent builds the draft, but the plan is the adviser's. Every projection is traceable to its inputs, every scenario is the adviser's to accept or change, and the advice a client acts on is always a person's, not the model's.

Scoped to you

This is a typical financial planning build. The exact parts are scoped to how your firm runs: which planning software you use, how deep the tax and estate modeling goes, and how much of the draft reaches the client directly.

See what this would look like built around your portfolio operation.
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Related agents

How it reaches production

Built, run, and owned, one phase at a time

A planning tool that shines in a demo can still fall apart on a real client with a messy tax situation. A scoped brief, a named team, and someone accountable at each stage are what move this one from trial into every plan you build.

Sprint

Scope, fixed price

We map your planning software, the data sources a plan draws on, and how far the modeling should go, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers assemble the agent inside your environment, wired into the planning software, CRM, and custodial data your advisers already work in.

AI Systems Lead
Run

Monitored and improved

The agent adapts as tax rules and planning assumptions change, and we report against the metrics set at scope: plan build time, plans produced, clients served per adviser.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it grows more useful as it learns your firm's planning style rather than staying a generic tool bolted on the side.

Your team

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit.

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How it holds up

Trustworthy enough to build a real plan on

A plan built on numbers an adviser cannot verify is worse than no plan at all. What makes this one dependable is that every figure traces to its inputs, and the judgment stays with the adviser at every step.

Reviewed by trajectory

Every number shows its inputs

Each projection links back to its assumptions and data, so an adviser can check the math before a client sees it. The agent computes; it does not invent figures.

Human in the loop

It drafts, the adviser advises

The agent assembles the plan and models the scenarios, but which path a client takes is the adviser's call, on trade-offs no model captures.

Tuned over time

It keeps up with the tax code

As tax law and planning assumptions change, the agent is kept current, so the projections reflect this year's rules instead of last year's.

Start the build

Build your financial planning agent with Tecla

It starts with a scoping call: we map your planning workflow, measure where the time goes, and return a fixed-price Sprint to build and run the agent inside your environment.

Talk to us

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

What planning teams ask first

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.

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