In 2022, I spent time at Stanford in a program called Harnessing AI for Breakthrough Innovation.

On the first morning, they reframed something in a way I have not forgotten.

They did not call it Artificial Intelligence.

They called it Intelligence Augmentation.

That distinction matters. AI is not coming to replace financial advisors. It is coming to separate the ones who adapt from the ones who don't. And that separation has already started.

The Gap Between Enterprise and Independent Advisors Is Growing

Across financial services, enterprise firms are investing aggressively in AI infrastructure. According to BCG, 78% of insurance leaders are expanding their technology budgets in 2025-2026, and 82% of insurers are already using generative AI in some capacity.

Independent advisors, by contrast, are largely observing from the sidelines. Research from Agent for the Future found that 30% of independent agents say they are unlikely to adopt AI in the next five years. And 45% say they simply don't know enough about it.

That gap will not remain neutral.

When large firms compress underwriting timelines, automate internal workflows, and equip advisors with real-time analytical support, client expectations recalibrate. Response times shorten. Precision improves. The bar quietly moves.

I have watched brilliant advisors lose momentum not because they lacked intelligence, but because they were buried in manual process.

Three software systems open. Duplicate data entry. Rebuilding analysis from scratch.

We are asking high-level professionals to do clerical work.

The Question Every Advisor Should Be Asking Right Now

Over the next three to five years, the question will not be whether AI is useful.

The question will be why you chose not to use it.

For the majority of the last fifty years, our advantage came from access to information, the ability to process it, and the judgment to interpret it.

Today, access is universal. Processing is increasingly automated.

What remains scarce is judgment. Trust. Context. Experience earned from sitting across from families when decisions actually matter.

Intelligence is becoming cheaper. Relationships are becoming more valuable.

The advisors who thrive will not be the busiest. They will be the most augmented.

What Advisors Could Do With 40% Less Administrative Work

This is not about working harder. It is about leverage.

If technology can responsibly eliminate 30 to 40 percent of administrative friction, what would you do with that capacity?

More strategic case design. More proactive review meetings. More thoughtful estate conversations. More depth where it actually counts.

The future advisor does not replace relationships with software. They protect relationships by removing noise.

A Quiet Divide Is Forming in Financial Advisory

A quiet divide is forming.

Advisors who treat AI as a novelty. And advisors who redesign their operating system around intelligence augmentation.

The first group gains convenience. The second group gains structural advantage.

This is not primarily a technology shift. It is an economic one. When intelligence becomes faster and cheaper, clients gravitate toward the advisor who can think clearer, respond quicker, and articulate complexity better.

A recent study found that only 22% of agency principals currently trust AI. Yet the firms that are adopting it fully have jumped from 8% to 34% in just one year. The early movers are pulling away.

The inflection point is not 2035. It is now.

And most of the industry is still debating whether it is real.

If intelligence augmentation could remove 40 percent of your non-human work tomorrow, what would your practice look like five years from now?

That future is being built right now.

Some advisors are building it intentionally. Others are about to be surprised by it.