How AI is transforming financial planning business models in 2026… and value propositions

AI is no longer experimental.

In 2026, it is reshaping advice production, client engagement, cost structures, and competitive positioning.

But here’s the real question: is AI improving your model - or just layering complexity onto it?

In this episode of Encore's Big Six Insights of 2026, we unpack how AI is genuinely shifting business models in:

• Advice production efficiency

• Data-driven insights

• Client segmentation

• Service tier redesign

• Margin expansion opportunities

The Insight: AI is already reshaping how clients find advisers, how advice is reviewed, and how strategies are produced. The firms that win won’t just use AI for efficiency - they will redesign their value proposition around human judgement, while AI removes friction and scales presence.

If your processes are unclear, AI scales confusion. And if your value proposition is sharp, AI scales differentiation.

The firms winning in 2026 aren’t just using AI. They are redesigning their models around it.

Watch episode 4 to learn how to leverage AI in 2026.