Many Canadians have been experimenting with Artificial Intelligence (AI) tools, whether it’s a chatbot, like ChatGPT, Gemini, Claude, Perplexity, or it’s an AI-built application like video editors, content creation, audio translation, note-taking apps, etc. It has become a fast-evolving space, and we believe the tools will continue to grow at a rapid pace, but even in these early days of widespread AI, we feel there are many ways to utilize AI as a finance companion.

Millions of retail investors remain underserved by traditional financial advice channels due to high account minimums, excessive fees, poor service, and a lack of trust in the advice being offered. Historically, many turned to their banks for guidance. Unfortunately, bank branch sales personnel—often cynically referred to as "regulated finfluencers"—typically promote only proprietary products, essentially acting as distributors of sponsored content. These products are frequently high-cost, actively-managed mutual funds with embedded sales commissions, creating significant conflicts of interest that regulatory frameworks attempt, but often fail to mitigate.