Personal Wealth Advisor

Personal Wealth Advisor is a Deloitte-built, AI-powered multi-agent solution designed to transform the delivery of personalized financial support for individuals and institutions. By integrating a suite of specialized agents, this platform streamlines financial management, investment decision-making, and transaction execution empowering users with data-driven insights and automation for smarter, more confident financial outcomes.

Solution Overview

Personal Wealth Advisor leverages Deloitte’s experience in financial technology and artificial intelligence to offer a modular, scalable framework that addresses the needs of modern banking customers, individual investors, financial advisors, and FinTech organizations. The solution’s multi-agent architecture helps ensure that each aspect of the user’s financial journey is handled by a dedicated, expert agent, working collaboratively for effective service delivery.

Key Specialized Agents

Market Information Agent: Continuously monitors and analyzes global financial markets, providing users with real-time data, news, and trend analyses tailored to their interests and portfolio holdings.

Portfolio Insight Agent: Evaluates users’ current portfolios, assessing performance, risk exposure, diversification, and alignment with financial objectives. Delivers actionable insights and identifies opportunities for optimization or rebalancing.

Trade Agent: Executes buy/sell orders and other financial transactions securely and efficiently. Determines compliance with regulatory standards and provides transparent, real-time transaction status updates.

Personalized Advisor Agent: Synthesizes user financial data, goals, and risk tolerance to generate tailored investment strategies and recommendations. Offers clear explanations and risk assessments to support informed decision-making.

Document Assistant Agent: Manages and summarizes financial documents, statements, and contracts. Assists with compliance checks and helps users understand complex regulatory or account documentation.

General Assistant Agent: Handles general inquiries, scheduling, reminders, and non-financial support tasks. Acts as a bridge between the user and specialized agents for a holistic, user-friendly experience.

How It Works

Inputs:

User inquiries related to personal finances, investments, and transaction execution.

User financial data, such as portfolio holdings, transaction histories, risk profiles, and financial objectives.

Outputs:

Personalized financial insights and analyses, leveraging real-time data and advanced analytics.

Customized investment recommendations, aligned with user goals and risk appetite.

Autonomous evaluation and execution of financial transactions, with secure and compliant processing.

Typical Users

Bank Customers: Individuals seeking to manage their finances and investments with greater ease, transparency, and confidence.

Individual Investors and Financial Advisors: Users looking for advanced tools to enhance portfolios, receive insights, and automate investment decisions.

Financial Institutions and FinTech Companies: Organizations aiming to enhance their financial planning services with scalable, AI-driven advisory capabilities.

Key Benefits

Hyper-Personalization: Every recommendation and insight is tailored to the user’s unique financial situation, preferences, and objectives, leveraging Deloitte’s advanced analytics and AI models.

Efficiency and Automation: Automates both routine and complex financial tasks, reducing manual effort and response times, and enabling users to focus on strategic decisions.

Accuracy and Compliance: Specialized agents facilitate data-driven decisions, secure transactions, and adherence to regulatory requirements, supported by Deloitte’s deep industry knowledge.

Comprehensive Support: Covers a wide range of financial and administrative needs through agent collaboration, delivering a holistic wealth management experience.

Scalability and Integration: Built on a modular architecture, the solution can be easily integrated with existing banking and financial platforms, and scaled to support growing user bases and evolving business needs.

Example User Journey

Inquiry: A user asks, “Should I rebalance my portfolio in light of recent market changes?”

Analysis: The Market Information Agent provides up-to-date market trends, while the Portfolio Insight Agent evaluates the user’s portfolio and risk exposure.

Recommendation: The Personalized Advisor Agent suggests a rebalancing strategy, supported by data from the other agents and tailored to the user’s objectives.

Execution: Upon user approval, the Trade Agent autonomously executes the necessary trades, providing real-time updates.

Documentation: The Document Assistant Agent summarizes the transaction, updates relevant records, and determines all documentation is compliant and easily accessible.