INDUSTRY

AI Agents for Financial Services

Automate client management, portfolio reporting, and compliance. Serve more clients without proportionally adding advisors.

December 21, 2025•INDUSTRY

Wealth management, financial planning, investment advisory—client relationships are everything. But administrative tasks eat into the time you should be spending with clients. What if AI agents handled the back office?

From portfolio reporting to client communication, AI agents can automate the operational work that supports your practice—without per-seat software costs.

The Financial Services Software Tax

Every tool adds up. Here is what a typical 10-person wealth management firm pays annually for client management software:

Tool	Price/User	Annual (10 users)
Salesforce Financial Services Cloud	$300/user/mo	$36,000
Wealthbox	$45/user/mo	$5,400
Redtail CRM	$99/user/mo	$11,880
Orion Portfolio Solutions	$199/user/mo	$23,880

Prices for professional tiers as of December 2025. Most require annual contracts.

You are paying $500-800/month on software that still requires manual data entry, report generation, and compliance documentation.

Common Financial Services Challenges

Running a financial services practice means balancing client relationships with operational complexity. These challenges drain advisory hours:

Client onboarding complexity

Account applications, KYC documentation, risk assessments, and suitability forms for every new client. Onboarding that should take hours stretches into weeks.

Portfolio reporting demands

Quarterly reviews, performance reports, and investment summaries for every client. Each report requires pulling data from multiple sources and formatting for client consumption.

Compliance documentation burden

Meeting notes, trade rationale, suitability documentation, and audit trails for every client interaction. Regulators expect complete records, but documentation takes time away from clients.

Client communication overhead

Market updates, life event check-ins, and proactive outreach that keeps relationships strong. High-touch service is expected, but time is limited.

AI Agents Built for Financial Services

These agents work together to handle the operational work that slows your practice down:

AI Sales Agent

Nurture prospects, follow up on referrals, and manage your client development pipeline. Schedule reviews and track opportunities without manual CRM updates.

Replaces: Salesforce, Wealthbox, Redtail CRM

AI Reporting Agent

Generate portfolio reports, performance summaries, and client presentations automatically. Pull data from custodians and format client-ready documents.

Replaces: Orion, Black Diamond, manual spreadsheets

AI Memory Agent

Track client preferences, family situations, life events, and conversation history. Surface relevant context before every meeting so you never miss a detail.

Replaces: Notion, Confluence, scattered notes

AI Bookkeeper

Handle fee calculations, invoice generation, and expense tracking. Reconcile custodian statements and generate financial reports for your practice.

Replaces: QuickBooks, Xero, manual billing

A Day in the Life

See how AI agents handle real financial services workflows:

Morning Client Review

#advisory-ops - Slack

Which clients need attention this week?

Client Priority Summary

Client	AUM	YTD Return	Action Needed
Thompson Family Trust	$2.4M	+8.2%	Quarterly review due
Martinez Holdings LLC	$1.8M	+5.1%	Rebalancing needed
Chen Investment Account	$950K	+12.4%	Tax-loss harvest opportunity

The Thompson quarterly review is overdue by 5 days. I have prepared a draft performance report and identified 3 discussion points based on their investment policy.

Compliance Documentation

Email - Compliance Assistant

I just finished a meeting with the Martinez account. Can you document it?

I have created the meeting notes based on your calendar entry and recent communications. The summary includes: discussion of Q4 performance, decision to increase international allocation by 5%, and follow-up on estate planning referral. I have attached the suitability rationale for the allocation change.

Saved to /clients/martinez-holdings/meeting-notes/2025-01-15.md

Add that they mentioned their daughter is getting married next summer.

Done. I have added the life event note and set a reminder to discuss gift tax implications at the next quarterly review.

Proactive Client Alert

#advisory-ops - Slack

Client Event Detected

Chen Investment Account has not had a review in 8 months. Based on their profile, they typically meet quarterly. Additionally, their portfolio has drifted 7% from target allocation. Would you like me to draft an outreach email and prepare a rebalancing proposal?

Yes, draft the email. Schedule for next week if possible.

Done. I have drafted a personalized outreach email referencing their last meeting topics and sent calendar availability for next Tuesday through Thursday. The rebalancing proposal is ready for your review in their client folder.

Your Data, Your Files, Your Control

Unlike traditional wealth management platforms that lock your data in proprietary databases, Lazarus uses a file-first approach:

/workspace
  /clients
    /thompson-family-trust
      investment-policy.pdf
      portfolio-holdings.csv
      meeting-notes.md
      quarterly-reports/
    /martinez-holdings
      account-agreements.pdf
      trading-history.csv
      communications.md
  /compliance
    aml-policies.md
    kyc-checklists/
    audit-trail.csv
  /reports
    quarterly-summaries/
    performance-analytics/

Every client, every document, every interaction is organized in folders you control. Export anytime. No vendor lock-in. The AI reads these files and takes action based on context—update a client profile, and the agent immediately knows.

Client folders that grow

Each client gets a folder with investment policies, meeting notes, performance reports, and communications. The agent uses this context for every interaction.

Templates that scale

Quarterly reports, client presentations, and compliance documents use your templates. The agent fills in client-specific details and maintains your firm's voice.

Instant retrieval

Ask the agent for any document. It knows where everything is and can surface prior meeting notes, decisions, and client preferences instantly.

Institutional memory preserved

When advisors leave, their client knowledge stays. Every preference, conversation, and decision is captured in files that persist.

Your firm's client knowledge compounds over time instead of walking out the door.

Your AI Advisory Team

Set up a team of specialized agents that work together:

Agent	Role	Scheduled Work
Sales Agent	Nurtures prospects, tracks referrals, and manages client development pipeline	Daily lead follow-up at 9am
Reporting Agent	Generates portfolio reports, performance summaries, and client presentations	Quarterly reports on schedule
Memory Agent	Captures client context, preferences, and conversation history	Continuous learning
Bookkeeper	Tracks fees, generates invoices, and reconciles custodian statements	Monthly billing cycle

How They Work Together

Memory Agent surfaces client context and upcoming life events before a meeting

Reporting Agent pulls the latest portfolio data and prepares the review presentation

After the meeting, Memory Agent captures notes and decisions for the client file

Bookkeeper logs the advisory time and prepares the quarterly invoice

All agents share the same files. When one updates a client record, all agents see it immediately.

A team of AI agents working 24/7 so your advisors can focus on client relationships.

Works With Your Existing Stack

Connect via email, Slack, or API. No complex integrations required.

Agents communicate through the same channels your team uses. No new tools to learn, no behavior change required.

Stop drowning in compliance paperwork.

Let AI agents handle portfolio reporting, client documentation, and operational tasks while your advisors focus on relationships and financial advice.

Get started free

Use Case