Bank of America reports that 90% of family offices believe AI could enhance investment returns, with half already using it. The critical question: how can they use AI effectively?
The adoption of artificial intelligence in wealth management is no longer theoretical. Bank of America's 2025 Family Office Report reveals that 50% of family offices overseeing $3 trillion in assets globally have already started to deploy AI tools in their investment processes.
The timing is critical. With $124 trillion in wealth expected to transfer hands through 2048, family offices must manage unprecedented asset transitions while modernizing technology infrastructure for next-generation expectations.
The report surveyed 335 family office decision-makers managing at least $25 million in assets, with 60% overseeing more than $500 million.
The technology gap
Despite strong AI adoption rates, 31% of family offices struggle to keep pace with technology and market trends – the highest technology-related challenge cited.
According to the report, the challenge intensifies as six out of ten family offices expect to transition control within the next decade, with one in three anticipating the shift within five years. Younger, digitally native generations are preparing to take the helm with expectations for sophisticated technology platforms.
Choosing the right AI for investment decisions
While the adoption rate is encouraging, a critical question remains: which AI are family offices actually using?
Many are likely experimenting with general-purpose large language models like ChatGPT, Gemini or Claude AI – tools that weren't designed for financial markets. These systems attempt to derive market intelligence directly from text, with no understanding of realistic market behavior or resistance to manipulation.
"General-purpose LLMs are impressive for many tasks, but portfolio management isn't one of them," explains Stefan Klauser, CEO of Aisot Technologies, an ETH Zurich spin-off specializing in financial AI. "They lack the fundamental training on market dynamics that's essential for investment decisions."
Specialized financial models are trained specifically on market data and news impact patterns. aisot's Matterhorn model, for example, predicts news market impact rather than inferring causality from language patterns alone – making it significantly more robust to manipulation and better equipped for portfolio decisions. (Watch live test: General-purpose LLMs vs. specialized financial AI when exposed to manipulated market news.)
Measurable results
Two recent deployments of aisot’s AI-driven SaaS solution for asset managers illustrate the difference specialized financial AI can make.
In April 2025, aisot's platform successfully navigated a live stress test with Private Client Bank when tariff announcements rattled markets, demonstrating how AI can be integrated into real-world wealth management without disrupting proven investment philosophies. (Learn more here)
In partnership with 6 Monks, the results were equally compelling. "We've achieved better returns," explains Quentin Werlé, CIO. "The platform integrates seamlessly with our active investment strategies, enhancing our decision-making without disrupting our workflow." The firm also documented time savings on manual research and analysis tasks. (Learn more about this case here).
The key to both successes: AI that amplifies rather than replaces traditional human expertise – accelerating research, enhancing portfolio analysis, delivering predictive insights, and identifying risks earlier.
"These aren't theoretical improvements," notes Klauser. "They're the result of AI that's purpose-built for financial decision-making, combining deep learning with traditional quantitative methods."
The path forward
As half of family offices now use AI, a critical divergence is emerging. Those using specialized, finance-trained models can achieve improved risk-adjusted performance and time savings and focus on strategy and idea generation.
With generational transitions accelerating and $3 trillion in assets at stake, the question isn't whether AI belongs in wealth management – it's which AI will deliver results you can trust.
If you are a professional investor and want to learn more about aisot’s AI-driven SaaS solution for portfolio management, book a demo.
Learn more about Bank of America's 2025 Family Office Report