OneDigital Featured in PLANADVISER on the Future of AI-Driven Financial Personalization

Artificial intelligence has quickly become a competitive imperative across financial services—fueling an arms race among organizations to integrate smarter, faster, and more personalized capabilities into the workplace. But as adoption accelerates, the real differentiator is not just access to AI—it’s how thoughtfully organizations apply it to enhance human expertise, manage risk, and deliver meaningful outcomes.

That urgency is reflected in the market: McKinsey research shows that companies with a proactive AI strategy significantly outperform their peers: organizations that make AI central to their strategy achieve operating profit margins roughly 14 percentage points higher than less committed competitors in the financial services sector. 

In “Entering the Era of Hyper-Personalization,” PLANADVISER explores how leading firms are closing that gap—and highlights OneDigital’s role in shaping a more intelligent, personalized future for financial advice. 

Advancing Beyond Static Financial Planning

For decades, financial planning has been constrained by static data and time-intensive processes—often delivering insights that are outdated almost as soon as they are presented. Today, AI is fundamentally changing that dynamic, enabling real-time analysis, faster delivery, and continuous optimization based on each client’s evolving financial picture.

From Personalization to Hyper-Personalization

As AI capabilities mature, the industry is moving beyond basic segmentation toward true hyper-personalization—where financial guidance reflects the full complexity of an individual’s life, goals, and behaviors. This shift enables more proactive, relevant recommendations that help clients make better decisions in the moments that matter most.

Scaling Insight Through AI Innovation

The article also highlights OneDigital’s investment in proprietary AI capabilities, including the development of specialized “AI coworkers” designed to enhance productivity and elevate advisor impact across the organization. By automating routine and procedural tasks, these tools allow advisors to focus on higher-value activities—strategic planning, client engagement, and creative problem-solving.

As Jason Chepenik, Senior Vice President of Retirement and Wealth, explains: 

“I do not want to eliminate professionals [through AI automation], but the use of a professional can now be conversational, can be ideation.”

Chepenik goes on to describe how AI is shifting financial advice from a static, point-in-time deliverable to a more dynamic, continuously evolving experience—one that enhances the role of the advisor and enables more personalized, timely guidance at scale.

Leading the Next Era of Financial Advice

As demand for integrated financial wellness solutions continues to grow, AI is emerging as a critical differentiator for forward-thinking organizations. OneDigital’s approach reflects a broader vision: combining advanced technology with human insight to deliver more connected, responsive, and personalized financial guidance at scale.

Explore What’s Next 

Discover how OneDigital is helping organizations harness AI responsibly, enhancing advisor impact while delivering more personalized, data-driven outcomes. 

Visit our AI Hub to learn more.