How AI is closing the advice gap in wealth management

September 17, 2025

Across Europe, wealth advisers are grappling with mounting pressures. Governance demands are stricter than ever, compliance costs continue to rise, and clients expect greater value from their financial relationships.

Yet many professionals remain bogged down in administrative work, with hours lost to documentation, compliance checks, and risk reviews. This leaves less time for meaningful client interaction or strategic planning, ultimately making it difficult for firms to profitably serve clients with portfolios under £200,000. The outcome is a widening advice gap, leaving many investors without access to the support they need.

IntellectAI, which offers wealth and capital markets solutions, has released a new guide on how agentic AI is reshaping wealth management in Europe.

Agentic AI is emerging as a powerful remedy to this advice gap challenge. By automating repetitive tasks and compliance processes, it allows advisers to refocus on their clients. Rather than replacing human expertise, AI works alongside it, offering intelligent support that streamlines governance, risk management, and compliance. This not only reduces operational costs but also helps firms achieve scale without compromising regulatory obligations. Case studies already suggest efficiency gains of between 30% and 80%, with complaint-handling times cut by more than 90% while maintaining accuracy, IntellectAI exlpained.

The promise of AI in wealth management lies in its ability to enhance, rather than diminish, the role of the adviser. Intelligent systems can flag disclosures, generate audit-ready records, and highlight actionable insights. This ensures advisers can dedicate more of their time to client relationships and personalised strategies, while knowing that the regulatory foundation is being managed efficiently in the background. For clients, this translates into more accessible, scalable services that extend professional financial guidance to those who might previously have been overlooked.

Despite this potential, many advisers are still trapped by manual processes. Compliance checks, data entry, and document-heavy workflows continue to absorb valuable time and resources. In regulated markets such as Europe, the growing administrative burden has made it particularly difficult to justify servicing clients with smaller portfolios, it said. The result is both financial inefficiency for firms and restricted access to advice for clients, compounding the advice gap that has concerned regulators and industry leaders for years.

Implementing AI solutions is increasingly being seen as the way forward. Platforms such as IntellectAI’s Purple Fabric are designed to simplify AI adoption for wealth firms. They provide the essential infrastructure to ensure security, explainability, and built-in guardrails while enabling firms to scale productivity without disruption.

With model independence, operational capabilities, and scalability, such platforms help advisers integrate AI into their existing processes seamlessly.

By addressing inefficiencies and empowering advisers, agentic AI is redefining wealth management in Europe. As adoption accelerates, it has the potential to close the advice gap and reshape how wealth services are delivered, making them both more effective and more inclusive.

Read the full guide here.