October 27, 2025

How Top Financial Advisors Use AI Every Day

How Top Financial Advisors Use AI Every Day ( remember ALWAYS CHECK WITH COMPLIANCE FIRST) 

For most advisors, AI is a black box. Here are 7 ways advisors are experimenting and utilizing this incredible technology in their businesses. AI is a new lever—and top advisors are already pulling it, so it makes sense to read on...

You’re in a private coaching session. You’ve been looking forward to asking her, “How have the best in the business weaved AI into their practices?”

Coach: “Let me ask you a question. Are you using AI… or are you just talking about it?”

You: “Well, I’m exploring it. Reading. Testing a few tools. But to be honest—it still feels a bit overwhelming.”

Coach: “Good. That means you’re early enough to make it your advantage. Because here’s the truth: AI won’t replace advisors. But the advisors who use AI will replace the ones who don’t.”

You nod. Slowly. The stakes just became tangible.  Here are 7 ways top advisors utilize AI to help leverage time and be more visible:

1. AI as Your Silent Prospecting Partner

Coach: “The top advisors aren’t waiting for referrals anymore. They’re using AI to build smarter, hyper-targeted prospect lists while they sleep.”

Here’s how they do it:

• Step 1: Feed your ideal client persona into a data tool like ZoomInfo, Apollo, or Clay.
• Step 2: Use AI filters (e.g., job titles, investable assets, behavioral indicators) to segment leads with surgical precision.
• Step 3: Automate the outreach using custom GPT-powered sequences that sound like you—personal, relevant, and timely.

Tip: Build a library of email scripts that evolve based on client responses. AI can adjust tone and message style in real-time. That’s how top advisors scale trust, not just touchpoints

2. AI in Client Meeting Preparation

Coach: “You know what the best advisors don’t do anymore? Spend three hours prepping for a single client review.”

They let AI handle it. Here’s the system:

• Step 1: Sync your CRM and financial planning software with a tool like ChatGPT or CoPilot.
• Step 2: Prompt AI to summarize recent client activities, highlight planning gaps, and recommend agenda items.
• Step 3: Auto-generate a one-page mind map or meeting brief. Then add your judgment—that’s the magic combo: AI + advisor instinct.

Coach: “You’re no longer just a planner—you’re a strategist with a co-pilot. Use it.”

3. AI as Your 24/7 Communication Concierge

Coach: “Top firms now run AI-powered inboxes. No more bottlenecks. No more ‘Sorry I missed this.’ Every client gets a timely, thoughtful reply—even at 2 a.m.”

How to implement it:

• Step 1: Use AI plugins in your email system (like Superhuman or GrammarlyGO) to draft responses in your voice.
• Step 2: Tag client emails by urgency, opportunity, or tone. Let AI route or escalate what matters.
• Step 3: Train AI on your communication style, key phrases, and compliance terms. Over time, it becomes you.

Coach: “This isn’t about outsourcing relationships. It’s about never dropping the ball.”

4. AI as a Real-Time Planning Assistant

Coach: “Smart advisors use AI to run plan variations on the fly—‘What if we retire at 58?’ ‘What if inflation spikes?’”

Here’s how you do that:

• Step 1: Use AI-integrated planning tools (like Elements, RightCapital, or FP Alpha).
• Step 2: Feed client inputs and instantly model scenarios during meetings—live, dynamic, visual.
• Step 3: Let AI explain it in plain English. Advisors use GPT to generate client-facing explanations with metaphors, visuals, and step-by-step clarity.

Tip: “Complexity doesn’t impress. Clarity does. And AI delivers it better than a slideshow ever will.”

5. AI in Coaching Your Team to Peak Performance

Coach: “Want to know how top teams scale leadership? They train AI on their playbook. Then they turn it into a performance engine.”

Do this:

• Step 1: Capture SOPs, scripts, and best practices into a shared AI workspace.
• Step 2: Allow team members to query the system anytime—‘How do I onboard a $5M client?’ ‘What’s our response when a client asks about ESG?’
• Step 3: Let AI give consistent, high-quality answers that sound like your firm’s best self—not just whoever’s available.

Coach: “That’s how top advisors clone their excellence. And train talent at scale.”

6. AI as the Storyteller of Your Brand

Coach: “Top advisors are winning business before they ever meet the prospect—because their content is that good.”

Want to replicate it?

• Step 1: Use AI to analyze your most effective messages—emails, webinars, reviews.
• Step 2: Train AI to write posts, newsletters, and even thought leadership in your style.
• Step 3: Schedule and test content using AI tools that optimize send times and predict engagement.

Coach: “This isn’t about shouting louder. It’s about being the advisor whose voice resonates—and AI helps you scale that voice without burnout.”

Final Thoughts:

Coach (leaning in): “Let me leave you with this. AI isn’t a replacement for your brilliance. It’s the amplifier of it. The advisors winning today aren’t the ones doing more—they’re the ones doing less better, with AI as their second brain or virtual helper.”

Here’s your challenge this week:

5-Day AI Integration Sprint

Day 1:  Audit your workflow—Where do you spend time you could automate?

Day 2: Choose one AI email tool and one meeting prep assistant.

Day 3: Train a language model on your tone and test client-facing content.

Day 4: Automate your top 3 repeatable processes—prospecting, follow-up, onboarding.

Day 5: Create an “AI-Enhanced Client Experience Map” with moments AI supports and where human judgment shines.

Coach (smiling): “Start now. Start small. But start smart. AI is the lever—and top advisors are already pulling it.”

This isn’t the future. This is your unfair advantage—for now. Ask Jeff for Advisor Practice Management’s AI Kit at jeff@jeffthorsteinson.com  

Thank you for reading! This is what we help advisors do every day!

 Advisor Practice Management, is an organization that helps financial advisors and portfolio managers build equity in their world-class practices through innovative concepts, tools, and systems.  For more information about Advisor Practice Management, contact jeff@jeffthorsteinson.com or Grant Hicks CIM at grant@ghicks.com 1-800-223-9332, or visit the website at www.apm.coach

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