Tandems, an AI-native wealth operating system for financial advisors, has launched Hamilton, an AI assistant that it says can handle up to 80% of an advisor's daily tasks. It is generally available to new and existing customers. Hamilton connects to core banking, brokerage, CRM, and workflow systems, including Schwab, Fidelity, Salesforce, and Microsoft. Its Model Harness Optimizer routes each task to the best of Claude, ChatGPT, Copilot, and Gemini. It covers financial planning, portfolio rebalancing, client reviews, account opening, and paperwork. Tandems, founded in 2006, serves more than 5,000 advisors at firms such as Wells Fargo, Scotiabank, Citizens, and New York Life. Its platform holds $80 billion in assets and 2.7 million accounts. "Hamilton actually makes wealth advisors more efficient," said chief executive officer Mike Sha.

Tandems launches Hamilton AI assistant for advisors. The AI-native wealth platform says its new tool can manage up to 80% of daily tasks for financial professionals, drawing on insights gathered from thousands of advisors nationwide. Davis Janowski, Senior Technology Editor, Wealth Management October 27, 2026 Want a quick summary? Tandems, which its creators describe as an artificial intelligence-native wealth operating system for financial advisors, has launched Hamilton, a new digital assistant capable of handling up to 80% of a financial advisor's daily workload, according to the company. Mike Sha, co-founder and CEO of Tandems, said Hamilton was built from the knowledge the company has gained studying the workflow of more than 5,000 advisors at major financial institutions, including Wells Fargo, Scotiabank, Citizens and New York Life, which use its platform. The platform currently has $80 billion in assets with 2.7 million accounts serviced on its platform. Readers will recall that Tandems is the rebrand, announced a year ago, of SigFig, founded in 2006, which has continued to create digital wealth management tools and technology for financial institutions and their advisors ever since. "While our product is relevant to RIAs, it is the big enterprises with several thousand FAs we are focused on principally," he said, noting that this would include not just large firms but aggregators or rollups or those with home office models. Tandems has about 100 employees today, about 70 of them being product managers, engineers, or in quality assurance roles. As Sha noted during an interview and demonstration, Hamilton plugs natively into the majority of core systems used across banking and wealth management and unlocks many different tools Tandems has custom-built for advisors. It leverages proprietary verticalized artificial intelligence, meaning it is highly domain-specific and built on a multi-model architecture designed to draw on multiple models, including Claude by Anthropic, OpenAI's ChatGPT, Microsoft Copilot and Google Gemini. "We think about this in a few different ways, sure this is efficiency AI but it also falls into the realm of opportunity AI, and that's an exciting world too, think about having an assistant that works nonstop, never forgets anything about them [the advisor or client], can be personalized for every advisor and knows the rules and was the cost of software and not the cost of a human," said Sha. "We've built dozens and dozens of skills, and, for example, notetaking is just one of those skills - but what we came to realize is that these all needed to pass through these other systems, shared systems," he said. It is those systems, he said, that constitute the complete wealth operating system and consist of three layers: an application layer (the specific tools an advisor uses), an AI-native operating system layer (that connects data, systems, context and workflows) and finally, a verticalized AI layer (which contains the wealth domain-specific data and logic). And it is because of this architecture that Hamilton, according to Sha, is capable of handling financial planning and portfolio rebalancing workflows, client reviews, meeting preparation, proactive client communication, account opening, asset transfer and paperwork. Tandems' platform has been pre-integrated with major core systems its enterprise clients rely on, he said, including brokerage platforms such as Schwab, Fidelity, National Financial Services and Pershing; the backend banking systems of FIS and Fiserv; the customer relationship management system Salesforce; and productivity tools from Microsoft, Google and DocuSign. This architecture includes the Model Harness Optimizer, which, in a nutshell, is intended to route tasks to the best model, but also supports customer-connected custom models, adjusts conversations to local state AI laws, and retains an audit log of every AI interaction between an advisor and a client. "In 2025 alone, all 50 states introduced legislation around AI, and 38 states passed over 100 laws relating to AI, much of it focusing on highly regulated high-risk areas," Sha said, noting that Hamilton's state and local regulation tracker was built to help keep advisors within the bounds of these laws without them having to take action. "Everything it does is logged; so, if a bank ever got called, we have exact histories, and you just don't get that with Claude out of the box," he said, referring to Anthropic's recently launched Claude for Financial Advisors. According to Sha, customers can shut off a single skill, model, or all AI activities in real time, and built-in security protections are designed to guard against data leakage, prompt injection and exfiltration. "We've been talking a lot about LLMs but LLMs are not the solution for all types of work, for example, when it comes to trading and rebalancing, we use purpose-built algorithms that are deterministic, not LLMs but you have to match the right tech for the right task or job," said Sha, noting specifically as another example that Hamilton's "Portfolio Compare" uses a mix of LLM and non-LLM - an LLM for extracting data but Tandems' own math and analysis to compare them. Hamilton is now generally available to existing and new Tandems customers. Senior Technology Editor, Wealth Management Davis Janowski is a New York-based technology journalist whose work spans consumer, business and the FinTech sectors. Prior to his six years with WM, Janowski worked for Forrester Research as an analyst covering Digital Wealth Management. In edition, he has worked for two FinTech startups, Wealthfront and New York-based FeeX, Inc. (now Pontera). His work covering the advisor tech space began in 2007 when he joined InvestmentNews as the advisor industry's first dedicated technology reporter. His start in tech journalism began as an editor with PC Magazine in 1999 where he later served as an analyst and reviewer. His work has appeared in The New York Times, Wealth Management., Financial Planning, RIABiz, InvestmentNews, PC Magazine, numerous blogs and several books, including Technology Tools for Today's High Margin Practice. He has also been a speaker and moderator at numerous industry conferences. Outside his day-to-day he is a senior guide for Manhattan Kayak Company in New York City.