Savvy Intelligence is the AI-powered operating environment inside Savvy Wealth's advisor platform. It gives every Savvy advisor a single, continuously updated view of each client's investments, tax data, and financial plans, with AI agents that act on that complete picture in real time. The first agent, the Financial Planning Agent, compresses hours of scenario modeling into minutes. Savvy Intelligence launched in April 2026 and is available to advisors who join Savvy Wealth.

AI in wealth management is software that gives financial advisors leverage by automating or augmenting advisor work: financial planning, scenario modeling, tax analysis, investment research, and client meeting prep. The goal is to compress hours of manual assembly into minutes so advisors spend less time wrangling data and more time with clients. Most tools bolt AI onto a fragmented stack of 6 to 10 disconnected systems. A smaller set, including Savvy Intelligence, runs AI agents on a unified data layer that spans a client's complete financial picture, which produces sharper output.

Advisors use AI for meeting prep, scenario modeling, tax strategy, investment analysis, note-taking, and client communications. Concrete examples advisors are running today on Savvy Intelligence:

• Modeling a Roth conversion across IRMAA surcharges, phantom stock, and Social Security timing in one session.
• Pulling household-level context 5 minutes before a client meeting, including summarized notes from 3 months ago.
• Drafting a client-ready response to a "what should I do with a $40K refund?" question in minutes, with a flagged Roth opportunity the advisor would have missed.
• Stress-testing a portfolio against a retirement date shift without opening Excel.

The pattern: AI handles the technical assembly. The advisor directs the analysis and applies judgment.

Agentic AI is software that takes multi-step actions to complete work, not just text in response to a prompt. A chatbot describes. An agent does. For financial advisors, that's the difference between "summarize this client's portfolio" (assistant-style) and "model three Roth conversion scenarios against their tax situation and Social Security timing, then draft a client-ready summary" (agent-style). Savvy's Financial Planning Agent is agentic: it pulls from a client's full record, runs the modeling, produces deliverables, and hands the advisor a reviewable output. The advisor directs. The agent executes.

No. AI handles the technical work underneath financial advice (data assembly, scenario modeling, draft communications), but the work that actually builds client trust stays with the human. Sitting with someone during a hard moment, helping them think clearly about a decision that will shape their family for decades, earning trust over years. That's not a job for software. At Savvy, AI is built to free advisors from the manual, non-client-facing work (data entry, prep, reconciliation) so they can spend more time doing the part only they can do.

Most "AI for advisors" tools are intelligence layers that sit on top of an advisor's existing tech stack. Their AI can only reason across what those integrations expose, which is usually a fraction of the client record. Savvy Intelligence runs on a different foundation. Savvy built the underlying platform first: RIA, investments, tax, planning, CRM, meeting notes, all in unified data. The AI agents work on complete, current data, not fragments stitched through APIs. The tradeoff for advisors: other tools bolt AI onto an existing practice. Savvy replaces the practice infrastructure underneath the AI.

The right AI stack depends on whether an advisor wants point solutions (one tool per job) or a unified platform (one environment for everything). Point solutions include meeting-note tools like Jump and Zocks, tax reviewers like Holistiplan, and CRM add-ons. They work, but they inherit the advisor's fragmented data. A unified platform like Savvy Intelligence runs AI agents on a single data layer spanning investments, tax, planning, and CRM, so output is sharper and the advisor stops toggling between 6 to 10 systems. The tradeoff: point tools bolt onto any stack. Platforms require a bigger commitment.

Yes. Savvy Intelligence captures and summarizes client meetings, and the notes feed directly into the same unified client record that the Financial Planning Agent and other agents use. That means a note from a January meeting about a client's lake house plan shows up when the advisor preps for their June meeting, without manual cross-referencing. Meeting notes don't sit in an isolated tool. They become part of the client's living financial record that every Savvy agent can reason across.

Savvy Wealth is multi-custodial, with deep integrations with Schwab and Fidelity, so advisors who join Savvy can continue to custody client assets with either. Savvy's platform pulls custodial data (positions, balances, transactions) directly into the unified client record, so every Savvy Intelligence agent reasons over current holdings without the delays and reconciliation gaps that come from overnight-batched feeds.

No. Savvy Intelligence does not use client data to train third-party foundation models, and client information stays within Savvy's systems. Every AI model provider we work with operates under zero data retention. Your clients' information answers the question in front of you, then it's deleted. Your clients' financial lives are not a training dataset. Our AI providers are contractually prohibited from using client data for model training or any secondary use. The AI is also not client-facing: the AI doesn't interact directly with retail clients and doesn't provide client-facing investment advice or investment decisions. Advisors stay responsible for every recommendation they make.