Tandems has introduced Hamilton, a new digital assistant designed to handle up to 80% of a financial advisor’s daily workload. The company describes Hamilton as an AI-native tool that plugs directly into core banking and wealth management systems used by major financial institutions.
Training on Institutional Workflows
Hamilton was built using data from more than 5,000 advisors at large firms including Wells Fargo, Scotiabank, Citizens, and New York Life. The company’s platform currently manages $80 billion in assets across 2.7 million accounts. Mike Sha, Tandems co-founder and CEO, stated that the tool is particularly focused on large enterprises with thousands of financial advisors, including aggregators and firms with home office models.
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Sha explained that the assistant relies on proprietary, verticalized artificial intelligence. This system uses a multi-model architecture to draw on multiple models, including Claude by Anthropic, OpenAI’s ChatGPT, Microsoft Copilot, and Google Gemini. Hamilton is capable of managing financial planning, portfolio rebalancing, client reviews, meeting preparation, account opening, and paperwork. The system integrates with brokerage platforms like Schwab and Fidelity, backend banking systems from FIS and Fiserv, Salesforce, and productivity tools from Microsoft, Google, and DocuSign.
Sha emphasized that the tool is built on a three-layer architecture: an application layer, an AI-native operating system layer, and a verticalized AI layer. He noted that while large language models handle many tasks, purpose-built algorithms are used for trading and rebalancing to ensure accuracy. For example, Hamilton’s Portfolio Compare uses an LLM to extract data but applies the company’s own math for analysis.
Given the rapid increase in state-level AI regulations, Hamilton includes a state and local regulation tracker. Sha noted that in 2025 alone, all 50 states introduced AI legislation, with 38 states passing over 100 laws. The system logs all interactions and retains an audit history, allowing advisors to switch off specific skills or models in real time to manage compliance. This differs from general-purpose models, which do not provide such built-in governance. Sha pointed out that Hamilton is now generally available to existing and new Tandems customers.
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Model Selection and Security Measures
Several companies are developing agentic AI and wealth management operating systems. Competitors include Astreus, Advisor360, OneVest, Humanity Labs, Jump, Zeplyn, and Zocks. This includes aggregators and firms with home office models. The company has about 100 employees, with 70 working in product management, engineering, or quality assurance.
About the Author
Davis Janowski is a New York-based technology journalist whose work spans consumer, business, and the FinTech sectors. 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.