Use Case · AI-Guided Advisory
We identify advisory occasions that would otherwise go unnoticed
AI-guided advisory starts before the meeting: wealthAPI spots advisory occasions before your clients ask. From the complete financial picture, aggregated across 3,500+ bank connections, come automatic invitations at the right moment, a ready-to-use advisory brief and automated documentation of every conversation.
- 3,500+ bank connections
- Open Finance aggregation
- Built on wealthAPI infrastructure
The problem
Preparation is where advisory time disappears.
Before every meaningful conversation, an advisor has to piece together the client's complete picture - across institutions, products and history. Today this work is manual, slow and error-prone.
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Data sits in silos
Accounts, portfolios, cash and insurance are spread across different banks and brokers. Advisors log into several systems - or rely on what the client happens to remember.
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Signals get lost
A maturing fixed-term deposit, idle cash or an over-concentrated position is only an opportunity if someone spots it - in time and in the right conversation.
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Preparation eats the calendar
Assembling a coherent client picture by hand can take close to an hour - for every conversation, again every week.
The solution
One screen, the whole client.
Open a client - and within seconds the AI compiles a complete, structured brief: the starting situation, the relevant figures and where the opportunities lie.
- 1
Aggregates every account
Live balances across banks, brokers and insurers via Open Finance.
- 2
Surfaces the signals
Maturing investments, idle cash and concentration risks are flagged automatically.
- 3
Writes the brief
Situation, key figures and conversation starters - ready before the meeting begins.
- 4
Documents automatically
Conversation flow, recommendations and suitability are logged in a structured way and filed automatically in the client record.
Daniel Brandt (54), client since 2016 - managing partner of an engineering firm, married, two adult children. Monthly surplus ≈ €6,800. Three detected signals - a €180,000 fixed-term deposit maturing 07/2026, a 38% single-stock concentration in employer shares and a €250,000 inheritance inflow - make this the ideal moment for a rebalancing conversation.
- Available cash
- €430,000
- Fixed-term deposit due 07/2026
- €180,000
- Inheritance inflow
- €250,000
- Reallocation potential
- ≈ €860,000
- Net worth €2.34M
- Investable €1.80M
- Liquid €430k
- Liabilities €160k
- AOnline broker ABrokerage€310,000
- BCustodian bankSecurities account€640,000
- CDirect bank ASavings€95,000
- DOnline broker BBrokerage€210,000
- EInsurerInsurance€120,000
- FDirect bank BConsent missing· · ·
How it works
Built on Open Finance, optimised for advisory.
- bank connections
- 3,500+
- balances & positions
- Real-time
- data classes: banks, brokers & securities accounts, insurance & pensions
- 4
- unified client view
- 1
- €180,000fixed-term deposit due 07/2026Reinvestment
- 38%in employer sharesDiversification
- €250,000inheritance inflowAllocation
The same data, screened for advisory occasions.
Securities accounts, bank accounts, liquidity, cards and insurance are consolidated into a consented, real-time picture - and then scanned for advisory triggers. Every signal points to a concrete conversation occasion in the brief.
- Consented and GDPR-compliant
- The same infrastructure European wealth platforms rely on
- Every signal with a confidence score
Personalised advisory occasions
The right occasion. Automatically at the right time.
Data-driven signal detection turns every detected event into a personal invitation to an advisory meeting. Fully automated in the background, without the advisor lifting a finger.
- Signals are detected continuously across the entire client base
- Individual, occasion-based invitations instead of a scattergun approach
- Campaigns across all clients sharing the same signal
- The meeting lands in the advisor's calendar with the brief ready
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Riester contractdetected in holdingsSwitching analysis to the AVDInvitation sent
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Large incoming paymente.g. bonus or inheritancePersonal investment meetingInvitation sent
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Fixed-term deposit expiringmatures in 6 weeksReinvestment meetingInvitation sent
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Overpriced insurancepremium above market levelContract reviewInvitation sent
The data foundation
One harmonised data layer behind every brief.
1 + 1 is more than 2: fragmented input data becomes a single profile the AI can reason over.
Data sources
- Open Finance / PSD2
- Wealth & securities data
- Comparison input
- Master data
- Insurance platform
Shared data layer
- Harmonised
- Deduplicated
- Continuously enriched
Updated continuously as new data arrives - every brief stays current.
Rich user profile
- Contracts
- Spending profile
- Assets
- Signals
- AI guidance
The result
From data to a guided conversation.
The brief doesn’t stop at numbers. It structures the meeting, anticipates the client and closes the loop afterwards.
Conversation guide
Warm-up & relationship
Pick up on family, business and the last contact.
Needs analysis
Goals, time horizon, liquidity needs, risk appetite.
Mirror the signals
Present the fixed deposit, concentration and inheritance as the client’s own data.
Scenario & numbers
Model a diversified allocation for ≈ €860k of capital.
Risk & protection
Review concentration risk and insurance cover together.
Next steps
Agree on a written proposal and a follow-up within three weeks.
Anticipated questions
6-12 months of expenses plus short-term plans; the rest can work harder in a diversified allocation.
Reducing concentration is a question of risk, not timing - a phased approach lowers single-stock risk and preserves upside.
It can move into the agreed model portfolio in July - or stay liquid if plans change.
Before the meeting
- Pull statements for the €640k securities account.
- Prepare a diversified model allocation (≈ €860k).
- Request consent for the locked direct bank account.
After the meeting
- File structured notes in the client record.
- Send a personalised proposal within 48 hours.
- Schedule a follow-up review in three weeks.
Documented by default. The full brief and the meeting notes are written back to the client record - structured for audit, suitability and compliance.
For your clients
The same data foundation, in the client’s hands.
What prepares the advisor makes the client app proactive: contract checks, advice via chat, investable income and goals - all from one profile.
Your liability insurance is ~€60/year above comparable plans.
Why now
The clients you want are ready to share their data.
Data sharing is not a mass phenomenon - it is concentrated in exactly the segment wealth advisors value most: younger, higher-earning, with the most fragmented finances and the highest lifetime value.
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54%
are willing to share financial data
Under the right conditions - 17% of them unconditionally.
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5×
stronger interest among young adults
18-34-year-olds show five times as much interest as the 55+ group - Open Finance is a Gen Z topic.
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18-44
& > €3,000 net / month
The core target group: already uses more finance apps, more willing to switch, attractive lifetime value.
- 78% data security
- 69% no extra costs
- 68% trustworthy provider
Source: KPMG, “Open Finance und FiDA im Retail-Geschäft”, 2025 - representative survey of 3,000+ German consumers, June 2025.
Ready for an offer?
Then contact our sales team directly.
After submitting this contact form, our sales team will contact you as soon as possible and send you an offer presentation by email.