Kaitel research · October 2026
The Financial Advice Firm of 2036
How AI, regulation and changing client expectations could reshape financial advice over the next decade, with a closer look at Ireland.
24 pages · Free · Research reviewed to 23 September 2026
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AI has arrived in financial advice. Connected AI has not.
This report looks at what closing that gap could mean for the way an advice firm actually works, and what stays with the adviser.
- 73%
- of advisory firms use AI in some capacity.
- 5%
- have it connected across their systems.
Deloitte Insights, May 2026, citing industry estimates. Not Irish figures.
Inside the report
Five things you'll take away
Page 17 of 24
Three versions of 2036: slow, hybrid and agentic
- 1Where adviser time really goes, and why the opportunity sits behind the adviser, not in front of the clientp. 5
- 2A closer look at Ireland: one desk across pensions, protection and mortgagesp. 7
- 3How regulation, including the Consumer Protection Code 2025, shapes where AI can actp. 11
- 4Three versions of 2036: slow, hybrid and agenticp. 17
- 5Six things any firm can prepare for today, whatever platform it choosesp. 19
Why you can trust it
Four grades of evidence, never blurred
- Observed
- Published regulatory, government or statistical evidence.
- Forecast
- Forward-looking analysis from named institutions.
- Industry research
- Commercial surveys, vendor research or sector analysis.
- Kaitel view
- Our interpretation, frameworks and scenarios.
And a page on what we don't yet know (page 21).
Why we wrote this
“I started out as an investment analyst. This year I've been working with Irish advice firms, and the same thing comes up in almost every conversation: most of the week goes on work the client never sees. This report sets out where we think that work is heading, what stays with the adviser, and where the evidence is still thin.”
James Brooks, Founder, Kaitel
Kaitel is a small team by design, working directly with practising Irish advice firms and backed by operators with their own eight- and nine-figure exits.
24 pages. Free.
The Financial Advice Firm of 2036. Research reviewed to 23 September 2026.