When people choose a wealth advisor, they want guidance they can trust, someone who understands their goals and gives them clarity when markets shift.
Yet many advisors struggle to meet these expectations. Rising administrative requirements add paperwork. Systems are often outdated. Advisors spend hours on bureaucracy while clients wait for answers. Time that could strengthen relationships is lost to tasks that bring little value to the client.
The impact shows in the numbers. In 2025, Avaloq reported that 42 per cent of investors would leave their advisor if trust was missing, and 37 per cent would switch if transparency was weak. (1)
Capgemini’s World Retail Banking Report 2025 found that only 26 per cent of customers in Europe are satisfied with their banking experiences. (2) These figures point to a clear truth. Engagement is not where it should be.
But there is also a growing demand. Research from The Wealth Mosaic highlights that the mass affluent segment in Europe wants more personalised wealth services. These clients expect advice that feels customised for them and proactive. (3)
This shift is a major opportunity. Advisors who can deliver personal attention while keeping efficiency high will stand out. Those who cannot risk losing clients to competitors who can.
Gambit helps close this gap. It reduces the time advisors spend on admin. It gives them tools to personalise advice. It supports proactive engagement. With Gambit, wealth managers can focus on building strong and lasting client relationships.
Client expectations are shifting fast. Wealth management is no longer just about performance reports and annual reviews. Clients expect ongoing access, clear advice, and personalised guidance at every stage of their journey.
A hybrid approach is now the norm. Digital tools must be available around the clock.
At the same time, clients want reassurance from a trusted human voice. As one report notes, “Clients expect seamless digital experiences that still feel deeply personal. They want their banks to know them… through real understanding.” (4)
This shows how closely digital access and human connection now work together.
In Belgium and across the EU, client-centric strategies rely on three essentials. First, personalisation, where advice is tailored to each individual.
Second, availability, meaning advisors are accessible when needed.
Third, trust, which remains the foundation of any relationship. Research highlights that credibility, diverse offerings, and client autonomy are equally important. (5) These elements together define a client’s decision to stay or leave.
Even where trust levels are high, loyalty is fragile.
In Luxembourg, 83 per cent of wealth clients say they trust their wealth manager. Yet 45 per cent are ready to switch providers if another firm offers better products or service channels. (6)
This highlights a key risk for advisors. Trust is not enough on its own. Clients demand a blend of strong personal relationships and convenient, modern services.
The message is clear. Relationships in wealth advisory have evolved. Clients want both digital ease and human depth. Firms that provide one without the other risk losing relevance.
Advisors face a rising tide of compliance obligations. The EU has introduced major reforms that increase the workload for firms.
Some key regulations include the Digital Operational Resilience Act (DORA), the Corporate Sustainability Reporting Directive (CSRD), AIFMD II, and new sustainability disclosure rules. (7), (8) (9)
Each of these adds complexity and requires detailed reporting, testing, and monitoring. For many advisory teams, this means less time spent with clients and more hours dedicated to compliance tasks.
The scale of the burden is significant. In the UK, one institution reported handling 4,519 regulatory letters and attending 488 meetings in a single year. (10)
This shows the weight of regulatory oversight and how it diverts resources from client-focused activities. While the UK is outside the EU, the example illustrates the real impact that increasing compliance can have on advisory firms across Europe.
The outcome is clear. Advisors who want to provide more personal engagement often find their time consumed by regulatory demands. Firms that cannot reduce this pressure risk falling short of client expectations.[CA1]
At Gambit, the belief is simple. Technology should serve advisors and not replace them.
Clients trust people, and advisors bring the empathy and reassurance that no digital tool can provide. But without support, advisors often lose valuable time to administrative tasks. This limits their ability to engage with clients on what truly matters.
Gambit bridges this gap. Its solutions combine personal connection with digital sophistication to strengthen the role of the advisors.
Personalisation is central. Gambit enables advice at scale that still feels individual. With better data and smarter automation, advisors can anticipate needs, offer timely guidance, and maintain proactive communication. This builds trust and strengthens long-term loyalty.
Gambit helps advisors focus less on processes and more on people by putting technology in the service of human value.
Gambit provides solutions that reduce admin, improve personalisation, and support proactive service. Each tool is designed to help advisors focus on people while technology handles the heavy lifting.
Delivers personalised recommendations in minutes, not days.
Cuts down admin so advisors spend time in conversation, not on calculation.
Supports acquisition by showing value early in the relationship. Clients see that the advisor understands their needs from the start.
Combines AI insights with the human judgment of the advisor.
Keeps the advisor central as a trusted guide while using data to refine decisions.
Helps advisors present clear, tailored pathways toward each client’s goals.
Transforms one-off transactions into lasting advisory partnerships.
Provides continuous rebalancing and tailored portfolios to maintain engagement.
Shows proactive care, converting casual clients into loyal, long-term relationships.
These solutions have been designed to free advisors from low-value tasks and strengthen their role as trusted partners. Clients benefit from advice that is fast, relevant, and personal. Advisors gain more time to build trust and loyalty.
The value of proactive and personalised advice is proven across financial services. When institutions act early and tailor recommendations, they strengthen client trust and improve loyalty.
Evidence shows that clients are more likely to follow advice when human advisors guide AI-generated recommendations.
A European field experiment confirmed that trust grows when technology supports the advisor rather than replaces them (11).
This finding underlines Gambit’s philosophy: technology works best when it amplifies the human role.
Personalisation drives stronger relationships.
A 2025 study reported that personalised banking services can increase customer satisfaction by 20 to 30 per cent and raise conversion rates by 10 to 15 per cent (12).
Vanguard’s 2023 report also highlighted that personalised advice delivers “emotional value” and time savings, both of which deepen long-term loyalty (13).
Automation allows advisors to extend this tailored approach to thousands of clients without lowering quality. Advisors can enter client meetings already prepared with insights, freeing time for meaningful conversations instead of data processing.
Institutions that combine human expertise with AI strengthen their position against digital-first competitors.
Avaloq’s 2025 survey found that 42 per cent of investors switch when they lose trust in their advisor, and 37 per cent switch when transparency is lacking (14).
Institutions safeguard relationships and retain clients by addressing both trust and transparency.
These findings mirror what Gambit believes, which is proactive and personalised advice that builds trust, strengthens loyalty, and gives institutions a clear edge in a competitive market.
Gambit empowers advisors to deepen relationships, not dilute them. By reducing admin, enabling personalisation, and supporting proactive engagement, Gambit gives advisors the freedom to focus on what matters most: people.
Every solution we create helps advisors connect more meaningfully, and clients feel more understood. That is how we turn financial advice into lifelong partnerships.
This publication’s content is solely intended for informational and promotional purposes. This publication is not intended to provide contractual offers or professional financial advice.
References:
1. Clients’ loyalty to advisors eroding - Avaloq. (2025, September 22). https://www.familywealthreport.com/article.php/Clients%27-Loyalty-To-Advisors-Eroding-_dash_-Avaloq