The Future of Financial Advice Is Closer Than You Think | With Ed Williams & Michael Byram (Ep. 113)
About this episode
The episode discusses the implications of Vanguard's acquisition of Altruist and how technology is transforming financial advice.
Vanguard's $4.6 billion acquisition of Altruist made headlines across the financial industry, but the bigger story is what it says about the future of financial advice. In this episode of Boldin Your Money, Steve Chen is joined by Ed Williams, Lead Financial Advisor at Boldin, and Michael Byram, Boldin's CTO and former engineering leader at Altruist, to discuss why this acquisition matters and how technology is reshaping the way people plan for retirement and manage their money. Together, they explore why traditional financial advice can't scale to meet growing demand, how AI is making both advisors and consumers more capable, and why the next generation of financial planning will be more personalized, proactive, and accessible than ever before. The conversation also covers the evolving role of financial advisors, flat-fee advice versus traditional AUM models, AI agents, automation, and why the future isn't about replacing human advisors—it's about combining human expertise with powerful technology to help more people make better financial decisions. Whether you're working with an advisor, managing your own finances, or simply curious about where AI is taking personal finance…
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