FIS and InvestCloud Partner to Deliver AI-Powered Wealth Management Tools to Financial Institutions

WHY THIS MATTERS: The biggest challenge for incumbent financial institutions today is executing a front-office digital transformation without destabilizing the back-office systems that handle trillions in assets. This collaboration between FIS and InvestCloud is a significant marker for the entire wealthtech sector because it offers a credible, non-disruptive modernization pathway. The integration focuses on providing a unified data layer and advanced AI-enabled insights directly to the advisor desktop. By allowing firms who rely on FIS to bolt on InvestCloud’s cutting-edge client and advisor experience tools—specifically the agentic AI capabilities for personalized insights—it solves the perennial “rip and replace” problem. This matters because it dramatically lowers the barrier to entry for legacy players to compete on experience with digitally native rivals, fundamentally accelerating the adoption of a truly hybrid advisory model across the market.

FIS® (NYSE: FIS), a global leader in financial technology, and InvestCloud, a global leader in wealth technology, announced the launch of FIS digital wealth solutions, designed to give advisors and their clients a streamlined experience and a more complete financial picture across trust, advisory, and externally held accounts.

As financial institutions work with fragmented systems and disparate data sources, their wealth clients increasingly expect an intuitive, always-on digital experience. FIS digital wealth solutions are designed to help firms deliver interactions that are personalized, secure, and actionable. For wealth firms, that means advisors are working from a connected dashboard. For advisors, that means a system that reasons across client data, portfolio positions, compliance requirements, and transaction history – surfacing what matters, when it matters.

The new solution leverages InvestCloud’s Advisor Workspace and Client Experience capabilities, which today support trillions in wealth assets worldwide, and is integrated with FIS’s core processing platforms to provide a single connected environment spanning advisor tools, client-facing experiences, and AI capabilities-without requiring institutions to replace their existing infrastructure. InvestCloud’s unified data model brings together client data, interactions, and portfolio activity to power agentic AI capabilities that help advisors surface timely insights and actions. The new solution is designed to help firms modernize the front office while continuing to rely on the FIS platforms that power their operations.

Leveraging FIS Code Connect, institutions can deploy FIS’ digital wealth solutions without disrupting current framework. Built-in security controls, audit capabilities, and data governance features support supervision and regulatory requirements, while AI safeguards are designed to prevent client data from being stored or used to train models, helping to protect sensitive personal information.

“Financial institutions want to modernize the wealth experience without disrupting the foundation they’ve built,” said Jim Johnson, Co-President, Banking Solutions, FIS. “With InvestCloud, we’re giving clients the flexibility to deliver an intelligent front office while continuing to rely on the FIS platforms that already power their operations.”

“The FIS partnership is a unique platform to expand our footprint to bring differentiated capabilities to financial institutions to help them delight their wealth clients. InvestCloud brings the digital experience and AI-enabled expertise that today’s advisors and clients expect,” said Jeff Yabuki, Chairman and CEO, InvestCloud. “At a time of transformative change, we are working together to deliver the personalized, high-touch service that strengthens relationships and keeps the human connection at the center of wealth management.”

FIS currently serves more than 600 financial institutions, representing approximately $5.5 trillion in assets supported by the platforms, across large financial institutions, community and regional banks, private banks, trust companies, family offices, registered investment advisors (RIAs), and other specialized wealth management firms.

FF NEWS TAKE: This move is about achieving critical scale. By offering a modular, AI-infused front-end solution that bypasses core system overhaul, FIS and InvestCloud are providing a necessary on-ramp for hundreds of institutions. It certainly moves the needle by equipping established players with the tools to future-proof their operations. We will be watching for adoption metrics and, critically, how quickly the market accepts the AI safeguards, particularly concerning data governance and the integration of multi-custodian data aggregation.