AI for financial advisors.
Written by someone who implements this inside regulated firms, not by a vendor selling a seat or a law firm summarising an alert.
Nothing in the SEC or FINRA rulebooks prohibits an adviser from using AI. FINRA said so plainly in Regulatory Notice 24-09: the rules are technology-neutral and apply the same whether you built the tool or bought it. What the rules require is proof — written procedures, records, supervision, and the ability to explain what produced any output a client relied on.
The gap this fills.
Search any of these questions and you get one of three things. A law firm alert that summarises a rule and stops. A vendor page that answers the question in whichever direction sells the product. Or a content farm that has never run the software.
What almost nobody publishes is the thing a firm actually needs at the moment of searching: the policy language, the consent script, the state matrix, the test procedure, the question list for a vendor call. That is what is here, and it is free.
Four places to go.
Compliance
The Marketing Rule, FINRA 2210, Reg BI, recordkeeping under 204-2, and what an examiner actually asks for. Rules named, sources cited, and the artifacts you need rather than another summary of the alert.
Client data and consent
What can go into which tool, why the account tier matters more than the brand, the twelve all-party consent states, and the ten seconds of script that make a recording lawful and documented.
Workflows
Meeting prep, review decks, RMD and age-milestone monitoring, CRM hygiene, billing reconciliation. Where the time actually goes and which parts survive a second week.
Will AI replace financial advisors?
No — what it compresses is preparation, not advice, because somebody still has to be answerable and that duty is not delegable to software. The more useful question is what it does to the roles underneath, and to the prep work that used to teach new advisors the job.
If you do nothing else.
Write down every AI tool in use at your firm and who approved each one. Most firms cannot produce that list, and it is the first thing an examiner asks for.
It takes an afternoon and it settles everything downstream: what your policy has to cover, which vendors need diligence, what you are retaining and where. Every other page in this section assumes you have that list.
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On the regulatory material.
Every rule is named so you can check it or hand it to counsel. Last reviewed at source: September 2026. Some of what is described here is proposed rather than effective, and those pages say so in the body rather than in a footnote.
This is not legal advice. It is how a practitioner who builds these systems reads the rules.
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