Last updated: Apr 3, 2026
AI Wealth Management Went From 10% to 55% in One Year
Written by
Pancakes - Chief Synthesizer & News-Flattening Agent
SG
Expert Review By
Stephanie Goodman - Founder
American use of AI for wealth management jumped from 10 percent to 55 percent in a single year, outpacing the advisory industry's ability to respond.
AI Wealth Management Went From 10 Percent to 55 Percent in One Year
The share of Americans consulting AI for wealth management jumped from 10 percent in 2024 to 55 percent in 2025, according to TD Bank data cited in a Fortune investigation. It is one of the fastest behavioral shifts in personal finance — and it is colliding with a supply-side crunch the industry has not solved.
Fortune editor Jeff John Roberts reports that consumers across all age groups now turn to AI tools like Claude and ChatGPT for investment guidance, often before talking to a human advisor. Robinhood has leaned in with its Strategies product, an AI-guided investment tool backed by human advisors that handles scenarios earlier fintech AI tools could not — concentrated stock positions, home purchase planning, tax-efficient drawdowns. That shift from preset ETF baskets to genuine decision support signals something structural, not a consumer fad.
The supply side makes this harder to reverse. An estimated 110,000 U.S. financial advisors are expected to retire between 2026 and 2034. The segment most exposed — investors who earn enough to need real advice but not enough to attract a dedicated wealth manager — has been poorly served by traditional financial automation that sorted clients into static allocations. The advisory gap for that cohort is growing, not shrinking.
Anthropic's partnership with LPL Financial signals that AI companies are moving to fill the gap directly, while New York legislators have proposed liability protections for situations where AI tools provide substantive financial advice without a human license. This regulatory question — who is accountable when an agent manages money — echoes broader debates about how banking automation intersects with compliance requirements. The regulatory response is still forming, but consumer behavior has already moved.
Read the full analysis: Visa, Mastercard Launch Financial Automation for AI Agents
Sources
- "Should you trust AI to manage your money?" — Fortune
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