Executive Insight Briefs

These executive briefs summarize our research on financial decision-making, health events, cognitive decline, and AI into concise, action-oriented insights.

Each brief can be shared with leadership teams, distribution partners, or front-line professionals to spark discussion, shape strategy, and support a richer client experience.

• AI, Automation, and the Future of Financial Advice

  

  Artificial intelligence and automation are reshaping financial advice. But the key question is not whether AI will replace advisors. The real question is which advisor tasks firms choose to automate.

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• AI Agents, Human Behavior, and the Future of Financial Decision-Making

  

  The rise of AI agents is accelerating a profound shift in financial planning with technology redefining the knowledge and skill sets that matter most.

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• Mastering Conversations About Finances, Health, and Memory Loss

  

  As clients age, discussions about money inevitably blend with concerns about health events and costs. These conversations are among the most sensitive - and important - in all of financial planning.

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• The Financial Risks Advisors Are Not Pricing In

  

  Financial professionals spend enormous time and energy managing traditional portfolio risks. But the largest unpriced risk in client portfolios is not market-driven at all - it is the client’s own health.

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• Protecting Clients, and Your Firm, From the Risks of Diminished Capacity

  

  Research shows that the “peak age” for financial decision-making is just 53, meaning that most financial advisor clients are already past their decision-making prime.

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• Cognitive Decline and the Case for Protected Income

  

  Annuities and other protected income products reduce the need for repeated, discretionary financial decisions, helping to shield clients experiencing cognitive decline.

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• Are Financial Advisors Among the Occupations Most Exposed to AI?

  

  A Microsoft research study assessing the occupational implications of generative AI placed Personal Financial Advisors among the professions most exposed to AI-driven disruption. Are they?

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• What AI Means for Clients’ Health

  

  Unlike prior “game changers” that produced limited real-world impact, AI is poised to meaningfully improve global health, longevity, and overall well-being.

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• Align practice management, marketing, and digital teams around common narratives.
• Kick off leadership offsites or strategy sessions with a shared framing of the issues.
• Ensure consistency in how your firm communicates about AI, health, and longevity across channels.
• Support change-management efforts as you roll out new tools and advisor training.
• Provide advisors with a high-level framing they can share with clients during planning meetings.
• Strengthen internal education by giving your teams a fast way to understand emerging risks and trends.
• Use as pre-reading for committees evaluating new technology, training programs, or client experience initiatives.