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Gen AI & Agentic AI Wealth Management Transformation: Bringing Advisors & AI Agents Together Like Never Before

Updated: 6 days ago

By Esperanza Arellano | Founder at Sustainevolve | Certified AI Transformation Leader (CAITL™),| MIT Certified in AI Business Implications, Digital Transformation, No-Code, AI, ML and Data Science |Fintro & USAII® Partner


In today's rapidly evolving digital landscape, artificial intelligence (AI) has evolved far beyond its traditional roots of automation. It has become an essential driver of change in industries around the globe, especially in wealth management. The adoption of Generative AI (GenAI) and Agentic AI is reshaping business models, streamlining workflows, and transforming customer engagement.


As a tech professional committed to lifelong learning, I have dedicated time to earning executive certifications from renowned institutions such as the United States Artificial Intelligence Institute (USAII®), MIT Sloan School of Management, and MIT Professional Education. This has allowed me to combine academic expertise with executive strategy, gaining a multidisciplinary perspective that is particularly powerful in sectors like Wealth Management, where data, trust, personalization, and speed converge to harness cutting-edge technologies.


For instance, after completing the Certified AI Transformation Leader Premium Program from USAII®, it allowed me to develop a holistic and strategic approach to AI implementation, ensuring it aligns with organizational goals across industries. Here's my article contribution to the program which is especially relevant for Wealth Management institutions embarking on their AI transformation journey.—“Understanding and Adopting AI Revenue Operations Transformation” (USAII®, Dec 2024)


Quick Evolution Overview: Generative AI vs. AI Agents vs. Agentic AI




In 2022, the world was introduced to ChatGPT, a transformative AI interface that reached unprecedented growth. By 2023, image and video generation tools like Midjourney, DALL·E, and Stable Diffusion had made AI a ubiquitous part of our creative processes. Fast-forward to 2025, we now see Generative AI (GenAI) and Agentic AI emerging as the dominant forces in the AI landscape.


Below are some key differences between these and how this has quickly evolved.


  • Generative AI (GenAI): These are models designed to generate new content—text, images, strategies—based on training data. GenAI helps advisors create personalized reports, simulate investment scenarios, or draft communications at scale.

  • AI Agents: Unlike GenAI, these agents perform goal-driven tasks. They follow instructions, make decisions, and act autonomously based on predefined logic or machine-learned behavior.

  • Agentic AI: This is the next evolution. According to MIT CSAIL and Gartner, Agentic AI refers to systems that don't just execute tasks—they collaborate with humans, adjust their goals dynamically, and manage multi-step processes with awareness and adaptability.



As AI evolves, it will also increase the penetration ratio of cases that Agentic AI can manage autonomously and this can have a very dramatic increase.

Gartner forecasts that by 2029, Agentic AI will resolve 80% of service issues autonomously, cutting operational costs by up to 30% (Gartner Report).

Yes, Artificial Intelligence (AI) has reached a critical transformational threshold: One that is entirely transforming industries and unlocking a new era of autonomy, intelligence, and strategic execution. This year has been undoubtedly, the year of the AI Agents & Agentic AI systems,  as these have emerged with huge transformational capacities. And, irrespective of the fears or enthusiasm they are creating, the image it comes to mind is really, AI Agents closely collaborating with humans side-by-side. 


The idea of AI Agents evolving naturally as "colleagues" or "co-workers" collaborating with specific tasks, or agents with specific skills to be "hired", with multiple roles and specializations. Job boards seemingly searching for these AI skilled agents and having them apply for the specific "AI Agent" role seems surreal, but truly possible in 2025. Even going to the next point of "AI HR Agents" hiring "AI Agents", or "AI Agent Managers" orchestrating AI agents tasks or a team 100% comprised by AI agents, seems to be the new paradigm shift. And, anything our imagination can foresee. Everything looks and is likely possible with the speed of this evolution, with Agentic AI.



A Wealth Management Use Case: Enhancing Client Onboarding & Engagement



Going back to Wealth Management, let’s take a closer look at how these technologies are being applied to Wealth Management—a sector that relies heavily on personalization, trust, and client engagement. And more specifically, how these solve specific challenges.


Challenges in Traditional Wealth Management:


  • Fragmented client data and manual compliance checks slow down onboarding processes.

  • Client communication is often reactive, with financial advisors spending a significant amount of time answering the same questions or drafting similar reports.


The Need of AI-Powered Solutions: Introducing Fintro for Wealth Management Onboarding


As Wealth Management Teams need to adapt to even more complex environments, there is a critical need for Wealth Management organizations to adopt technologies like Fintro Gen AI Onboarding for Wealth Management solution.


By adopting Fintro, Wealth Management Teams will benefit from automating key processes, including clear ROI:

  • Client onboarding—30% faster with automated KYC validation and real-time data checks.

  • AI knowledge agents reduce the time advisors spend answering client questions and handling forms.

  • Automated proposal creation—using GenAI to create tailored reports and financial strategies in 70% less time.


This transformation isn’t just about technology; it’s about creating scalable systems that maintain the human touch at scale with a Sustainable AI Approach.


With Fintro, the all-in-one platform that empowers financial institutions to onboard clients faster, smarter, and with confidence, we’re helping financial institutions embed Generative AI to streamline onboarding and provide proactive client engagement.



The Strategic Implications of AI: Leadership and Transformation


My journey into AI began with the Artificial Intelligence: Implications for Business Strategy certification from MIT Sloan in 2018. This transformative program helped me understand how AI is redefining business strategies—not disrupting them. It became clear that for AI to succeed in industries like Wealth Management, firms need to embrace an holistic AI Digital Transformation, which includes aligning leadership, capabilities, technology, and culture.


The USAII's Certified AI Transformation Leader Premium Program (CAITL™) further deepened my understanding of AI leadership practices, risk management, and best practices for embedding AI into an organization’s culture. As companies need to embrace AI Transformation for Wealth Management, AI Certifications are a good way to navigate through this journey with a solid understanding across all stages of AI Implementations .



Why Wealth Management Institutions Need AI Transformation Now




And more particularly, as wealth management institutions are a core part of this industry and seek to evolve, the integration of AI is no longer optional—it’s essential. As a result, Wealth Management firms must:


  • Build AI-literacy teams capable of collaborating with AI across multiple forms including Gen AI, AI Agents and agentic AI.

  • Reframe client service models to include proactive AI agents that can deliver personalization at scale.

  • Prioritize ethical, explainable AI to ensure regulatory compliance and trust.

  • Create an Wealth Management AI Transformation Plan with a holistic panoramic view and adopt technologies that help them speed up their process, including those that are specific for onboarding their own customers.


Fintro Gen AI, offers a no-code approach  that integrates seamlessly into existing platforms, accelerating the digital transformation of financial institutions.

By leveraging Gen AI and Agentic AI capabilities, we help wealth managers scale client engagement, streamline compliance processes, and deliver personalized services faster and more efficiently.





According to a Forrester Research Report, the firms that are already embracing this AI evolution are seeing impressive results, including 25% gains in productivity and enhanced client retention rates".


Conclusion:


2025 has reached a critical threshold in terms of AI Transformation. With the clear evolution of GenAI, AI Agents, and the Agentic AI, Wealth Management Teams can:


Set up goal-driven tasks to augment their workforce with carefully crafted instructions, allowing certain “low risk” decisions, enabling them to act autonomously while testing an upgraded level of collaboration, and managing multi-step processes with awareness and adaptability.


Ready to take the next step in AI transformation for your firm?


Let’s work together to harness the power of Generative AI and Agentic AI to unlock new levels of client satisfaction, operational efficiency, and growth.



Let’s Build A Sustainable AI Transformation Future Together!


Esperanza Arellano | Founder Sustainevolve | Certified AI Transformation Leader (CAITL™) | Fintro & USAII Partner | 📩 info@sustainevolve.com🔗 LinkedIn





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