"From Robo-Advisor To AI Wealth Bank: The Next Evolution In Algorithmic Finance"

First-generation robo-advisors like Betterment and Wealthfront democratized index investing, but they're already obsolete. These platforms offer basic automated allocation with minimal personalization, no banking integration, and limited sophistication beyond tax-loss harvesting. The next evolution - AI wealth banking - combines machine learning portfolio optimization with comprehensive financial services infrastructure. True AI wealth platforms use deep learning to understand individual client goals, risk tolerance evolution, and behavioral patterns, adapting strategies continuously rather than following rigid allocation models.