Savvy Wealth, an AI-native registered investment advisor managing nearly $6 billion in client assets, has introduced Savvy Intelligence, a new AI-driven product designed to unify client data and streamline financial advisory services.
Savvy Intelligence integrates investments, tax and financial planning data into a single, real-time system, eliminating manual reconciliation and disconnected technology stacks and serves as a household-level system of record, meant to eliminate the need for manual reconciliation or system switching. According to the company, Intelligence enables Savvy’s 135 advisors to deliver personalized advice at scale.
Intelligence was built and developed in-house by Savvy’s engineering and product teams, with collaboration from the firm’s financial advisors, said Ritik Malhotra, founder and CEO of Savvy Wealth, in an email, and it does not rely on third-party planning overlays or external orchestration layers.
Malhotra noted that the next generation of financial advice won’t be determined by the firms with the biggest AI budgets but by the firms with data that provides the context that powers their automations.
The platform’s first AI agent, the Financial Planning Agent, is meant to assist advisors in modeling life-change scenarios, evaluating tradeoffs and creating client-ready outputs in minutes. Advisors can, according to the company, run thousands of “what if” scenarios using real-time data, producing flexible financial plans that adapt to life events.
“Financial Planning Agent handles both goals-based planning and cashflow-based planningnatively—one advisor might want to stress test whether a client can fund retirement, their kids’ college and a second home at the same time, while another might need to map year-by-year cash flows across Social Security timing, RMDs and a Roth conversion ladder—the Planning Agent can do both,” wrote Malhotra in response to whether the technology supported both of the traditional types of financial planning.
Malhotra, however, wrote that he would frame it less as a blurring of the two categories and more as advisors making distinct choices about how they manage their clients’ wealth rather than being constrained by software limitations.
“Most planning tools were founded with one methodology at the core, and the other added on later, our agents let the advisor pick the lens that fits the client conversation, not the one their software happens to support,” he wrote.
The next phase for the Financial Planning Agent, according to Malhotra, is translating those scenarios into updates that push directly to the formal financial plan, without the advisor needing to swap tools or reenter data. In that way, the analysis and the plan of record start living in one place.
Future AI agents planned for the platform include a Tax Agent, a Relationship Monitor and an Investment Management Agent, which will expand capabilities for complex client needs and multi-generational planning.
According to Malhotra, these agents will run continuously in the background, scanning for things the advisor needs to act on and surfacing them before anyone has to ask.
“The ones in development right now will offer market impact scans (e.g., how did today’s market movement affect your top 20 households?), proactive RMD alerts and compliance monitoring. Each agent will take over an entire process the advisor used to run manually, or flat-out missed entirely,” he wrote, adding that the potential of these agents for an advisor’s day-to-day schedule could be immense.
“They will handle the surveillance work while the advisor is in meetings, at dinner or on vacation. Tax strategy flags, investment opportunities, client communication triggers—all of these are now surfaced automatically and waiting when the advisor is ready to activate on them,” wrote Malhotra.
In January 2024, Savvy launched Savvy Wealth Investment Management, or SWIM, its proprietary investment management service, enabling its advisors to create and manage personalized portfolios. It provided access to an in-house research and investment team, a menu of customizable models and a range of asset classes, funds and strategies.
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