Today’s investor landscape encompasses diverse preferences, ranging from pure robo-advice to a hybrid model for wealth management. Some customers seek low-cost automated execution, while others require personalised, comprehensive guidance. However, younger tech-savvy investors view digital as fundamental.
Of no surprise is that 81% of next-generation HNWIs intend to switch advisers, often citing a lack of digital capabilities and modern service models.
No matter which approach, with m2Wealth, the opportunity is to turn this shift into a concrete advantage for both advisers and their customers. Whether intelligent automation or a real person in the corner, m2Wealth delivers the quality of investment data required for both approaches.
Is Hybrid Winning?
According to industry data, hybrid robo-advice now captures the majority of robo-advisory revenue, as investors are leaning towards advice technology complemented by human guidance rather than fully automated solutions. Reports show that hybrid advice platforms have grown rapidly since 2023, especially among investors who demand tailored strategies and personal accountability, capturing over 64 percent of robo-advisory revenue.
At the same time, AI-powered tools are boosting user satisfaction through more personalised portfolios and improved risk profiling. Industry forecasts suggest that by the end of this decade, most investors will rely on some form of hybrid model for investment guidance.
Key 2025 AI Wealthtech Trends Summary
Several converging trends explain why hybrid advice is currently outperforming standalone robo platforms this year.
• Hyper-personalisation at scale: AI is helping advisers move beyond one-size-fits-all models.
• Automation of routine tasks: repetitive administration and portfolio rebalancing.
• Generative and agentic AI for better client communication and tailored market commentary.
• Risk analysis and profiling: machine learning for investor behaviour and AI for compliance monitoring.
• Generational wealth transfer and new investor demands: digital-native investors expect intuitive, transparent, mobile-friendly solutions.
• Investment data aggregation and integration: high-quality data is essential for scalable AI applications.
Mini Case Study: m2Wealth’s Hybrid Advantage
m2Wealth uniquely operates in the HNWI and family-office wealth-technology space, where hybrid operating models are already the norm. Most family offices and U/HNWI advisers mix in-house oversight with specialist external partners for investment advice and reporting. m2Wealth is the AI-enabled investment data and reporting backbone in this ecosystem, enabling a robo or fully hybrid advice service without the need to build expensive infrastructure or rely on inaccurate investment data.
By using pre-trained, proven AI processes for investment data management, m2Wealth consolidates, enriches and labels multi-custodian data into a clean, daily single source of truth that supports both digital dashboards and human conversations. This reduces manual reconciliation, improves timeliness and accuracy, and gives advisers confidence to discuss complex portfolios, real-time exposures and scenario analysis with clients, knowing the underlying data is robust.
Client Outcomes from Hybrid Advice
For end customers, the hybrid model delivers several acknowledged benefits.
• Increased accessibility, providing customers and advisers with a clearer, more reliable picture of each portfolio. This leads to more informed, data-driven conversations and better alignment with long-term goals.
• Stronger relationships: with clear, always-on reporting, customers can handle many everyday questions themselves but know their adviser is available for key decisions during volatile markets. This combination strengthens loyalty and engagement.
• Increased personalisation, convenience and efficiency: tailored recommendations aligned with unique financial goals. Customers can access information via self-service tools and monitor progress 24/7.
• Simplified workflows and lower costs: automated, accurate data flows reduce manual spreadsheet work and operational errors, freeing teams to focus on clients. Firms can scale efficiently without compromising personal service.
How m2Wealth Enables Hybrid Advice at Scale
In hybrid advisory models, the real challenge is not just giving advice and presenting data, but ensuring that the investment data behind it is timely, accurate, correctly labelled and easy to use. m2Wealth’s investment data management and reporting AI service addresses this by aggregating holdings (any asset type as well as cash) from multiple sources, cleansing and enriching the investment data to create a single, reliable source of truth, in essence the IBOR/ABOR. These enriched, labelled data sets integrate seamlessly into both customer and adviser portals, enabling smarter insights and smoother workflows.