AI adoption inside financial advice.
How firms are experimenting, where AI is becoming operational, and what prevents adoption from moving beyond isolated software tools.
Research
Evidence before opinion.
Original research into artificial intelligence, financial advice, advisor technology, consumer behavior and the operating models reshaping financial services.
Joseph Gissy Research
2027
State of AI in
Financial Advice
State of AI in
Financial Advice
A research initiative focused on how artificial
intelligence is actually being adopted across
financial advice.
In Development
The standard
The financial industry has enough predictions. Better decisions require knowing what is actually happening.
Flagship Research
2027 State of AI in Financial Advice
The goal is to move beyond AI headlines and examine how advisors and financial firms are actually using artificial intelligence—where adoption is happening, where it is stalling, which workflows matter, and what the next operating model may look like.
01
Where is AI actually being used inside financial-advice businesses?
02
Which advisor workflows appear most ready for AI augmentation?
03
What separates experimentation from meaningful operating change?
04
How are consumers beginning to use AI for financial questions and decisions?
05
What could AI change about the economics and structure of financial advice?
Research built around the operating reality.
The objective is not to manufacture a headline. It is to create useful intelligence about how AI, advisors, firms and consumers are changing in practice.
Advisor workflows
Prospecting, marketing, meetings, planning, operations, service and other workflows where AI may alter how advisory businesses operate.
Technology architecture
The relationship between AI, CRM, data, workflow systems and the emerging advisor technology stack.
Consumer AI behavior
How consumers may increasingly use AI for financial education, research, decision support and advisor discovery.
AI search + discovery
How AI-mediated search may change financial education, authority, content discovery and advisor visibility.
How the work should be judged
Research should make uncertainty smaller.
Joseph's research is intended to support better thinking about where financial services is moving. That means separating evidence from inference, showing what the data supports, and being explicit about what remains unknown.
Findings will be published only when the underlying research exists. Until then, developing research initiatives remain clearly labeled as such.
01
No invented statistics.
02
No manufactured certainty.
03
Clear separation of data and interpretation.
04
Useful questions before impressive charts.
05
Practical implications for people building the future.
The research agenda.
Future work may expand beyond the flagship AI study into adjacent questions that shape how financial advice is discovered, delivered and operated.
01
Advisor AI Adoption
Research Area
02
AI Workflows
Research Area
03
Consumer AI Usage
Research Area
04
Financial Advisor Technology
Research Area
05
AI Search
Research Area
06
Advisor Marketing
Research Area
07
Consumer Behavior
Research Area
08
The Future of Financial Advice
Research Area
Research is more useful when it meets the real world.
Joseph's work is shaped by both research and operating experience. The ideas explored here connect directly to the broader effort to understand—and build—the AI-native financial company.
Explore the AI-Native Financial Company →