As wealth management enters a new era shaped by artificial intelligence, one of the industry’s leading firms is taking a bold step forward. At the 2025 Big Sky AI Forum in Bozeman, Montana, Envestnet unveiled its framework for Decision Intelligence—a model designed to embed AI into every layer of the advisory process and transform how financial advice is delivered.
The firm’s vision, detailed in its new whitepaper “Decision Intelligence in Action,” captures a profound shift: from fragmented automation toward fully connected intelligence. “The industry is at an inflection point,” said Jeremi Karnell, Head of Envestnet Data Solutions. “The advisor-client relationship is still grounded in trust and human interaction, but the way advice is delivered is undergoing a structural shift.”
For Envestnet, AI is not a standalone product—it’s a connective layer that amplifies advisor judgment. Through its Decision Intelligence framework, Envestnet integrates data science, behavioral context, and predictive analytics into a single operating system for advice. The result is an ecosystem where insight and action work hand in hand, helping advisors anticipate client needs, strengthen trust, and make smarter, faster decisions.
“Simply layering automation on top of old workflows wouldn’t solve these problems,” Karnell explained. “We had to build a foundation that connects data, harmonizes processes, and embeds intelligence throughout the advice lifecycle.”
That foundation is already taking shape. Within Envestnet’s ecosystem, AI is powering two cornerstone capabilities: Generative BI and Insights AI. Generative BI enables natural-language access to complex datasets, allowing users to ask questions and surface insights in seconds. Insights AI takes it a step further—proactively identifying opportunities, surfacing behavioral signals, and recommending next-best actions directly within advisor workflows.
Each of these innovations is guided by a disciplined design philosophy rooted in trust, transparency, and advisor control. “Our design philosophy is centered on usability, explainability, and control,” said Karnell. “We do not view AI as a replacement for advisor judgment, but as a resource that sharpens it.”
Envestnet’s roadmap is now expanding toward what it calls agentic systems—AI entities capable of taking guided, compliant action on behalf of advisors while maintaining human oversight. These systems will monitor portfolios, initiate communication sequences, and prepare recommendations while ensuring the advisor remains firmly in command. The goal, Karnell said, is not to replace advisors but to remove friction so they can focus on higher-value relationships and strategy.
The impact of this approach is already measurable. Within Envestnet’s platform, AI now generates more than 25 million insights daily across 90 signal types, influencing nearly half of managed-account flows. Over 100,000 advisors use these decision-support tools, representing a nearly 4,000% increase in adoption since 2021.
“Intelligence creates value when it helps people make better decisions,” Karnell said. “That’s the principle driving every product and every capability we build.”
As the whitepaper emphasizes, the future of wealth management won’t be defined by automation alone, but by intelligent collaboration between human and machine. Envestnet’s Decision Intelligence model stands as a blueprint for how data, context, and AI can converge to scale both empathy and expertise—turning technology into a true partner in advice.
Produced in partnership with Digital Wealth News and AI&Finance, this whitepaper explores how Envestnet is redefining the future of advice through intelligence designed for impact.
Download the full whitepaper below and see how Envestnet is transforming data into the next frontier of decision-making in wealth management.
Download Envestnet Whitepaper Here
Content generated by DWN staff with assistance from ChatGPT
