The Financial Advisor's Weekly AI Cheat Sheet — Week of April 26, 2026
By Sam Farrington, CFP®
Creator of Amplify for Advisors
Big week.
Citi hired an AI named Sky. Savvy Wealth shipped one too. OpenAI dropped a new model before anyone finished testing the last one. And the Washington Post wrote the article your clients are about to forward you.
Coffee up.
Savvy Wealth Just Shipped the Workflow Layer Independent RIAs Have Been Building By Hand
Savvy Wealth, the AI-native RIA now managing nearly $6 billion (5x what it managed a year ago), launched Savvy Intelligence on April 22. The first agent is a Financial Planning Agent that gives advisors a household-level view of every client and models life-change scenarios in real time. CEO Ritik Malhotra describes the next chapter as advisors becoming "conductors" or "editors," not getting replaced. Translation: another platform is shipping the workflow layer that independent RIAs are currently stitching together with five different tools.
Why you should care: Savvy isn't building this to replace their advisors. They're building it so their advisors spend less time reconciling data and more time delivering the trust, voice, and judgment clients hire them for. That's the standard the workflow layer is now setting for anyone in your seat.
OpenAI Quietly Shipped GPT-5.5 on Thursday and Yes, Your Clients Already Have It
OpenAI dropped GPT-5.5 on April 23, three weeks after GPT-5.4. The new model is sharper at multi-step research, better at agentic workflows, and faster for fewer tokens than its predecessor. Plus, Pro, Business, and Enterprise users got it on day one inside ChatGPT and Codex. AI model launches are starting to look like software updates now, which means your clients are running on a different model every few weeks without knowing it.
Why you should care: When a client says "ChatGPT told me X," the model behind that answer this week is not the model behind that answer last month. Worth knowing when they bring you a screenshot.
Citi Just Hired an AI Named Sky. It'll Talk to Citigold Clients This Summer.
On April 22, Citi Wealth unveiled Citi Sky, an "always-on AI-powered member of the Citi Wealth team" built on Google Cloud and Google DeepMind. It uses real-time avatar tech and voice to talk to Citigold clients about CD maturities and market insights from Citi's Chief Investment Office. Citi's framing: Sky doesn't replace advisors, she makes them more powerful. The phased U.S. rollout starts this summer in English and Spanish.
Why you should care: When Citigold clients start chatting with Sky this summer, they'll come to expect always-on AI access as part of the wealth experience. If you've been thinking about adding an AI-powered touch point to your own practice, this is where the bar is moving. Good moment to decide what your version looks like.
A Client Walks In With a "Polished, Personalized, and Wrong" AI Financial Plan. Now What?
ThinkAdvisor reported on April 22 that advisors are increasingly seeing clients show up with full financial plans generated by AI. The plans look professional. They are also, in many cases, wrong on the parts that matter most: tax treatment, sequence of withdrawals, beneficiary mechanics. Advisors quoted in the piece describe the new workflow as part planning, part editing. The clients are not stopping. They're just starting from a different draft.
Why you should care: When a client brings you an AI plan, that's a client showing they care enough to do work between meetings. Use the conversation to teach them what's wrong, why it's wrong, and why your judgment is the part the AI can't fake.
The Washington Post Wrote the AI Privacy Article Your Clients Are About to Forward You
On April 25, the Washington Post ran "Using AI for financial advice? Keep these 5 things out of your chats." The list covers Social Security numbers, account numbers, full tax returns, login credentials, and detailed investment holdings. The exact stuff your clients are pasting into ChatGPT right now, because the whole point of asking the bot is to get specific.
Why you should care: This is the article your clients will see in their feed this weekend. Get ahead of it. A short note on what to never share, and what to bring to you instead, earns trust and gives you a reason to be in their inbox.
ONE THING TO TRY THIS WEEK
Open ChatGPT or Claude and type: "Build me a retirement income plan for a 62-year-old with $1.4M in IRAs, $400K in brokerage, and Social Security at 67." Read what it produces, end to end. That's the draft your clients are walking in with. Now you know exactly what to fix.
Sam Farrington, CFP®
Want the prompts and frameworks that turn this news into action for your practice? That's what Amplify for Advisors is for. New frameworks every Tuesday and Friday.
Sam Farrington, CFP® · Creator of Amplify for Advisors
Explore more at amplifyforadvisors.ai
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