For as long as I’ve had a financial advisor, the meeting usually worked one way. They pull up the account and walk me through what happened. I listen. I leave with a general sense that things are either fine or something to watch. The advisor knows the numbers because that’s what I’m paying them to know.
I was in a spending analysis session with my AI agent two days ago, going through eighteen months of credit card data. I was looking at food categories, restaurant versus grocery, making sure my gut feeling about where my money was going matched the data. Midway through, looking at where the money was going, I had a different thought. The portion that goes to my retirement account, the part that doesn’t show up in card exports at all, I had a sense of how it was performing but I hadn’t performed a proper audit in quite some time. What were the fees? How was the performance stacking up against the market?
I’m deep into leveraging my AI agents now so I built a prep doc for the review meeting.
The benchmark question was what I actually wanted to ask. A portfolio with real bond exposure doesn’t belong measured against an equity-only index. That comparison makes performance look worse than it is, and you won’t catch it if you’re just receiving the advisor’s framing. Alongside that, I built a fee breakdown from what I could reconstruct and ran the performance numbers against the S&P and the Dow.
I put the prep file in the folder Scribe reads. Scribe is my meeting copilot. Its Researcher agent greps everything in the meetings directory at session start, so material dropped there shows up live during the call. In theory my questions get surfaced in context during the meeting instead of hunting for them in a different tab while the advisor’s talking.
I say “in theory” because I’ve never actually run a call this way before. We’re testing it live.
It’ll be interesting to see how my meeting copilot performs. It’ll also be interesting to see what my financial advisor says about how my retirement account has been performing. Keep an eye out for an update blog post.