Boston, MA – December 3, 2024 – Nicsa, a premier trade association dedicated to fostering innovation and collaboration in the asset and wealth management industry, is thrilled to announce the appointment of Sarah Walter as Vice President, Head of Asset and Wealth Management Relationships.
Ms. Walter brings an impressive track record in financial services and a dynamic vision for advancing best practices across the industry. With extensive expertise in portfolio strategies, investor relationship management, and thought leadership, she is well-positioned to contribute to Nicsa's mission of advancing excellence and connectivity among its member firms.
"As someone deeply committed to the asset and wealth management community, I am thrilled to join Nicsa and support its mission to foster collaboration and innovation in such a dynamic industry," said Ms. Walter. "I look forward to working with Nicsa’s members to create meaningful impact and drive progress across the sector."
As a seasoned executive, Ms. Walter has held leadership roles at top-tier firms, most recently at John Hancock Investment Management, where she spearheaded practice management programs, delivered industry-leading content, and collaborated with financial advisors to drive business growth. Her notable accomplishments include record-breaking sales performances, innovative educational initiatives, and the creation of impactful advisor engagement strategies.
In her new role at Nicsa, Ms. Walter will focus on front office areas such as sales, marketing, distribution, and product management, specifically within the asset management, wealth management, and alternative investment industries. She will enhance the value Nicsa delivers to its members and contribute to shaping the future of the association and its impact on the asset and wealth management industry.
"We are delighted to welcome Sarah to the Nicsa team," said Jim Fitzpatrick, President & CEO of Nicsa. "Her extensive expertise and passion for driving positive change in the asset and wealth management sector will be instrumental in advancing Nicsa’s mission within our diverse network of member firms."
Ms. Walter is recognized as a thought leader and a highly sought-after speaker. She has shared her expertise on various platforms, including conferences, podcasts, and educational workshops.
To schedule an interview with Ms. Walter or for more information about Nicsa’s initiatives within the asset and wealth management industry, please contact Allison Lovett, VP of Content &. Communications, at [email protected].
About Nicsa
Nicsa is a not-for-profit trade association striving to connect all facets of the global asset and wealth management industry in order to develop, share, and advance leading practices. For over sixty years, Nicsa has promoted a collaborative environment where members come together to help strategically address the industry’s most vital issues.
Nicsa’s Diversity Project North America champions DEI as a strategic business priority within the asset and wealth management industry. The goal of the Diversity Project North America is to advance better business results for our member firms and positive long-term impact for the clients we all serve by fostering an industry where diversity is achieved, equity is the standard, and inclusion is celebrated.
Nicsa’s 2024 Asset & Wealth Management Summit highlighted Artificial Intelligence’s (AI) promise to transformative the industry. Yet, the journey from concept to practical deployment is fraught with challenges. In the session "Implementing Artificial Intelligence: Getting to Results," a panel of experts unpacked their experiences, sharing both triumphs and trials in AI implementation.
Vanessa Touma, Head of CX Strategy, Distribution Intelligence and Digital Sales, Invesco moderated the discussion revolving around finding the right AI objectives, building organizational trust for adoption, and defining success metrics.
Speakers included:
Rob Pettman, Chief Revenue Officer and President, TIFIN
Zar Toolan, Principal, Wealth Platforms, Data & AI, Edward Jones
Here are the key takeaways.
Aligning AI with Business Goals
The panelists emphasized that successful AI implementation starts with aligning use cases with overarching business goals. Edward Jones, for instance, aims to become a "knowledge-powered advice firm" by 2030. AI use cases like their Model Assistant and generative search are strategically designed to enhance efficiency and customer service, contributing to the firm’s ambitious growth targets.
Case Studies
Start with Simpler Use Cases
Experts recommended starting AI adoption with use cases that have a higher tolerance for error. These "low stakes" applications, like automating routine client queries or internal document searches, offer immediate efficiency gains while allowing teams to learn and refine their AI strategies.
Building Organizational Trust and Achieving Buy-In
Creating a Coalition
Building internal trust for AI adoption is a challenge, often requiring a coalition of stakeholders from various departments, including technology, finance, compliance, and HR. Achieving buy-in isn't just about presenting a compelling tech solution; it requires demonstrating clear business value.
Overcoming Misconceptions
Addressing organizational myths and misconceptions about AI is crucial. Education and transparency about AI's capabilities and limitations can help demystify the technology, fostering greater acceptance.
Pilot Projects and Measured Risks
Launching small, pilot projects can build confidence and showcase AI’s potential without committing extensive resources. This iterative approach allows organizations to mitigate risks while gradually scaling up their AI initiatives.
Governance and Responsible AI
Establishing Governance Structures
The panelists underscored the importance of robust governance structures to guide AI implementation. This includes cross-functional teams that oversee AI projects, ensuring they align with ethical standards and regulatory requirements.
Guiding Principles
Edward Jones established five guiding principles for AI implementation: human-centered design, trustworthiness, transparency, data privacy, and accessibility. These principles help ensure AI solutions are both effective and ethically sound.
Regulatory Preparedness
With regulatory bodies like the SEC beginning to scrutinize AI use, maintaining comprehensive inventories of AI applications and ensuring transparent data usage are becoming essential. Firms must prepare for increased regulatory oversight by documenting their AI practices and ensuring compliance.
Defining and Measuring Success
Clear Metrics for Success
Defining what success looks like for AI projects is pivotal. Metrics should go beyond cost savings or efficiency gains to include improvements in customer experience, risk reduction, and business growth.
Iterative Learning and Adaptation
AI implementation is a continuous learning process. Firms must be willing to iterate and adapt their strategies based on feedback and evolving business needs. The panelists encouraged firms to remain flexible, adapting their AI initiatives as they learn from initial deployments.
Conclusion: The session "Implementing Artificial Intelligence: Getting to Results" illuminated the multifaceted journey of AI deployment. From setting clear objectives and gaining organizational trust to establishing governance and measuring success, the path to effective AI implementation requires strategic planning, cross-functional collaboration, and a commitment to responsible practices. As firms navigate this complex terrain, the insights shared by the panel provide a valuable roadmap for leveraging AI to achieve meaningful business outcomes.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
In a live session "Mastering Alternative Investments: Onboarding & Educating Advisors," asset and wealth management experts shared insights on effectively integrating alternative investments (alts) into financial advisory practices. The discussion, center stage at Nicsa’s 2024 Asset & Wealth Management Summit, focused on democratizing access to alts, the importance of specialized education for advisors, and practical strategies for portfolio construction.
Kirsten Pickens, Managing Director and Co-Head of U.S. Distribution, FS Investments moderated the discussion among the following panelists:
Joanna Berg, Director, Sr. Alternative Investments Strategist, BNY Advisors
Adam Pennacchio, Executive Director, Alternative Investments, Morgan Stanley
Claire Sawyer, Program Manager, UniFi by CAIA™, CAIA Association
Here are the key takeaways.
Democratization of Alts
Once exclusive to large institutions, alternative investments have undergone significant evolution. The expansion of asset classes and innovative investment platforms has made alts accessible to a broader audience, including retail investors. This shift is fueled by the increasing number of companies choosing to stay private, creating unique opportunities in private markets.
Challenges in Alts Adoption
The traditional 60/40 portfolio model has been underwhelming, prompting advisors and clients to seek diversification through alts. However, many advisors lack the comprehensive understanding needed to effectively communicate and implement these strategies, highlighting the need for targeted education.
Specialized Education Platforms
The launch of platforms aimed at providing foundational knowledge across the alts landscape reflects a commitment to industry-wide education. These platforms help advisors understand the role of alts in achieving client goals and equips them with the necessary tools to navigate complex conversations with confidence.
Goal-Based Approach
Educating advisors on the integration of alts requires a goal-based approach. By framing alts as solutions to specific client needs—such as income enhancement, growth, or tax efficiency—advisors can better align these strategies with client objectives. Tailored educational content sets help break down complex strategies into accessible, goal-oriented solutions.
Differentiating User Groups
Educational efforts must cater to varying levels of expertise among advisors. For newer users, foundational knowledge is crucial, while power users benefit from in-depth understanding of sub-strategies and nuanced portfolio construction techniques. Addressing these diverse needs ensures a comprehensive educational experience.
Innovation in Fund Structures
Innovative structures like interval and evergreen funds have simplified the integration of alts, making them more accessible for advisors. These structures address liquidity concerns and streamline the investment process, reducing administrative burdens and enhancing scalability.
Customized Roadmaps for Clients
Advisors are encouraged to provide clients with clear roadmaps for their alts investments. This includes outlining cash flow expectations, commitment levels, and target allocations. Such transparency helps clients understand the long-term value of alts and positions them for sustained investment success.
Support Staff Education
Educating support staff is critical to streamlining the implementation of alts. When support teams understand the intricacies of alts, they can effectively assist advisors, reducing resistance and improving overall execution.
Conclusion: "Mastering Alternative Investments: Onboarding & Educating Advisors" shed light on the transformative potential of specialized education in expanding the adoption of alts. The session underscored the importance of democratizing access, providing goal-based education, and leveraging innovative fund structures to enhance portfolio construction. By equipping advisors with the right tools and knowledge, the industry can effectively integrate alts into financial advisory practices, delivering diversified and tailored investment solutions to clients.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
In an engaging session at Nicsa’s 2024 Asset & Wealth Management Summit, Brian Moran, CEO and Founder of FLX Networks, shared an inspiring “Entrepreneur's Story."
Moran took the audience on a deep dive into how AI is fueling transformative growth. He identified industry inefficiencies and the need for innovation to revolutionize industry practices. Moran highlighted crucial shifts in the asset and wealth management industry; here are the key takeaways:
Critical Trends Disrupting the Asset and Wealth Management Space
AI as a Catalyst for Change
Moran emphasized AI's pivotal role in addressing industry challenges. By automating routine tasks, such as financial management and HR functions, AI has transformed roles that once consumed days into tasks completed in minutes.
Practical AI Applications
Navigating the AI Journey
Adoption and Integration Strategies
Moran provided insights on adopting AI in manageable increments to avoid overwhelming teams and ensure seamless integration. He stressed the importance of specificity in planning, clear communication, and incremental implementation to foster a culture of innovation within organizations.
Balancing Efficiency with Human Touch
Despite AI's transformative potential, Moran reiterated the enduring value of human interaction, particularly in complex decision-making, crisis management, and relationship building. The future, as he sees it, lies in a harmonious blend of AI and human expertise, enhancing both efficiency and the quality of service.
Strategic Decision-Making
In an industry increasingly driven by scale, Moran urged firms to be decisive and adaptable. Embracing AI and technology at a pace suited to their capabilities is crucial to staying competitive. His advice? Prioritize decision-making, even in the face of uncertainty, and learn through implementation rather than prolonged deliberation.
Conclusion: Brian Moran's session underscored the transformative power of AI in reshaping the asset and wealth management landscape. His journey with FLX Networks serves as a testament to the possibilities that arise when innovation meets determination. As the industry navigates this period of rapid change, Moran’s insights provide a roadmap for leveraging AI to drive growth, efficiency, and impact.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
The 2024 Asset & Wealth Management Summit, hosted by Nicsa, presented two days of dynamic content featuring key executives sharing insights on the most pressing issues in our industry today. In the session titled "Regulatory Shifts: What's Next for AI and Alts," industry experts provided a deep dive into the evolving regulatory landscape impacting artificial intelligence (AI) and alternative assets.
The session was moderated by Joanne Kane, Chief Compliance Officer, Global Investor and Distribution Services, US, SS&C, and illuminated the opportunities and challenges posed by rapid technological advancements and the regulatory frameworks attempting to keep pace.
Speakers included:
Dan Hays, Principal, Consulting Solutions, PwC
Kelly Chapman, Head of Legal and CCO, Wave Digital Assets
Key takeaways from the informative session follow.
The Global Regulatory Landscape for AI
Defining AI and Its Implications
AI, particularly generative AI, has permeated various aspects of our lives and industries. The panel underscored the importance of understanding AI's role, emphasizing that while it offers significant benefits—such as increased efficiency and innovation—it also presents risks, including misuse by malicious actors.
Regulatory Responses and Challenges
The European Union (EU) has taken a proactive stance with the introduction of the AI Act, marking a significant regulatory milestone. This act underscores the EU's leadership in technology regulation, a position bolstered by its methodical approach over the past five years. However, the session highlighted the complexities of regulating AI, especially the opaque and unpredictable nature of large language models like ChatGPT. This unpredictability challenges traditional regulatory frameworks, compelling regulators to rely on fundamental principles such as transparency, fiduciary duty, and consumer protection.
U.S. vs. EU Regulatory Approaches
The U.S. lags behind the EU due to political gridlock and a divided government. This delay has real implications, as some companies opt to align their operations with EU standards, anticipating that U.S. regulations might eventually mirror those of the EU. Moreover, the session touched on the role of U.S. state governments, like California and New York, which have shown initiative in filling regulatory gaps at the federal level.
Establishing an AI Governance Program
With AI's integration into business operations, companies must implement robust governance frameworks. These frameworks should include clear policies on AI usage, data protection, copyright concerns, and internal monitoring mechanisms. Firms were advised to adopt a "trust but verify" approach, ensuring that third-party AI tools align with company policies and do not introduce unintended risks.
Data Protection and Compliance
Data protection emerged as a critical concern, especially with the potential for proprietary or sensitive customer data to be exposed through AI models. Companies need to carefully manage how data is used, ensuring that it does not inadvertently propagate risks. The session recommended leveraging third-party expertise where in-house capabilities may fall short, emphasizing the need for rigorous testing and compliance protocols.
Regulatory Developments in Alternative Assets
Tokenization and Digital Assets
Tokenization represents a transformative opportunity, offering enhanced liquidity, reduced transaction costs, and greater transparency through blockchain technology. However, the regulatory landscape for digital assets remains murky, particularly in the U.S. The session noted ongoing debates about what constitutes a security and the implications for private fund managers.
Global Perspectives and Future Trends
Panelists discussed the potential for regulatory divergence between the U.S. and other regions like the EU and India. Companies must remain agile, anticipating regulatory shifts and aligning their strategies with global best practices.
Conclusion: The session "Regulatory Shifts: What's Next for AI and Alts" highlighted the dynamic interplay between innovation and regulation. For asset and wealth management professionals, staying informed and proactive in adapting to these shifts is crucial. As AI and digital assets continue to evolve, the industry must navigate a complex regulatory environment, balancing innovation with compliance and ethical considerations.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
Nicsa’s Asset & Wealth Management Summit examined the evolving landscape of alternative investments, including the niche firms, technology platforms, and service providers that are emerging to support the alts ecosystem.
Marty Griffin, Managing Director at Beacon Ridge Capital Management, moderated the panel of thought leaders including:
Andrew Barnum, Senior Vice President – Wealth Managers, iCapital
Nick Darsch, Managing Director, Ultimus Fund Solutions
York Lo, Global Head of Alternative Product Management, John Hancock
Justin Schwartz, Executive Director, Product Management, Wealth Management Services, DTCC
Following are key takeaways from this highly attended session, which provided insights into the factors fueling the growth of alternatives, challenges in their integration, and strategies to make alts more accessible for wealth managers and investors.
Key Takeaways
Conclusion
The "Alternative Investment Boom" session underscored the transformative impact of alternative investments in the wealth management sector. By simplifying access, investing in education, and partnering with technology platforms, wealth managers are increasingly able to incorporate alternatives into client portfolios. As the industry continues to mature, the institutionalization of alts promises to make these investments a standard part of wealth management strategies, allowing more investors to benefit from the unique returns and diversification they offer.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
Nicsa’s Asset & Wealth Management Summit featured an exploration of how to put Artificial Intelligence to work within industry organizations. The “AI Unleashed” session highlighted adoption trends, use cases, challenges, and future projections. Leaders in asset management and banking discussed AI’s evolving role, emphasizing the importance of thoughtful implementation, regulatory preparedness, and cultural adaptability. The panel focused on which AI strategies are delivering the most value, from investment management and client engagement to compliance, risk management, and reporting.
Accenture’s Senior Manager Michael Sands moderated the discussion among a panel of leading experts including:
Kate Chatzopoulos, Independent Consultant
Carl Lingenfelter, Artificial Intelligence Product Manager, Northern Trust
Tod McKenna, Global Head of Data Science and Artificial Intelligence, Citi Securities Services
Following are key takeaways, focused on the transformative impact of artificial intelligence across the financial services sector:
Key Takeaways
Conclusion: The “AI Unleashed” session highlighted both the transformative potential of AI in financial services and the challenges associated with its implementation. From regulatory uncertainties to cultural shifts, financial institutions must navigate a complex landscape to successfully integrate AI into their operations. The leaders stressed that a strategic, metrics-driven approach to AI adoption, coupled with a strong focus on data infrastructure and employee adaptability, will be essential as AI continues to reshape the industry.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
Nicsa’s Asset & Wealth Management Summit in Boston featured a compelling keynote titled "The Artificial Intelligence Revolution," wherein David Wu, Head of Generative AI at Morgan Stanley Wealth Management, illuminated how AI is reshaping the asset and wealth management industry. Wu’s visionary insights underscored the transformative potential of AI, revealing both the opportunities and challenges ahead.
Here are the key takeaways:
Engagement as a Cornerstone
The most successful advisors prioritize client engagement. Regular, meaningful interactions—whether through calls, emails, or meetings—are crucial in building trust and enhancing client relationships. However, the challenge lies in managing time effectively and determining which clients to prioritize.
Streamlining Knowledge Retrieval
To address these challenges, AI tools can guide advisors on which clients to engage with and what topics to discuss. By analyzing client behaviors and preferences, these tools enable advisors to personalize their interactions, which can significantly boost client engagement, reduce attrition, and increase client satisfaction.
Advisors often struggle to find the right information about products, processes, or research, leading to wasted time and suboptimal client service. Given the significant advancements in capabilities, AI tools can now allow advisors to access relevant information more efficiently, enhancing their productivity and client service.
Building Trusted Relationships
Across the industry, the focus remains on fostering trusted relationships. AI is viewed as a tool to empower advisors, enabling them to deliver more personalized and effective service while maintaining the human touch that clients value.
Preparing for the Future
As AI continues to evolve, wealth management firms must be prepared to integrate these technologies into their operations. This involves not only adopting new tools but also training advisors to leverage AI effectively, ensuring they can meet the growing expectations of tech-savvy clients.
Conclusion: David Wu’s keynote on "The Artificial Intelligence Revolution" provided a visionary glimpse into how AI is transforming asset and wealth management. By enhancing client engagement, streamlining information access, and supporting advisors, AI is set to redefine the industry. However, the human element remains irreplaceable. Firms that successfully blend AI innovation with the value of trusted human relationships will be well-positioned to thrive in the future of finance.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
Nicsa’s Asset & Wealth Management Summit featured a deep dive into the growth of alternative investments. The Summit keynote featured expert insights on the integration of alts with traditional asset classes, distribution strategies, advisor education, and expanding access to non-traditional investments, aiming to support growth in alternative asset adoption.
Speakers:
Doug Krupa, Managing Director and Head of Global Wealth Solutions in the Americas, KKR
David Unanue, Director, Wealth Management Investment Resources, Capital Group
Key Points:
Conclusion: The session underscored the importance of enhancing access, simplifying processes, and prioritizing education to make alternative investments more mainstream. By working on these aspects, industry leaders believe they can bridge the gap between traditional and alternative assets, creating more resilient and diversified portfolios for a broader investor base. This approach aligns with the goal of delivering improved investment outcomes and making alternative assets a viable component of standard wealth management.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
Nicsa’s Asset & Wealth Management Summit in Boston brought together industry leaders to explore the dynamic role of AI in investment management. Kaushal Vinodchandra Sheth, Chief Architect Officer at GFT delivered a compelling session on the transformative potential of Artificial Intelligence within asset and wealth management.
Following are key takeaways from the session, highlighting AI’s integration into financial services.
1. From Machine Learning to Machine Intelligence: Sheth highlighted the rapid advancements in AI, driven by organizations like OpenAI, Google, and DeepMind. While traditional machine learning focused on data analysis, machine intelligence now enables AI to autonomously perform complex tasks. This evolution underscores a significant leap—moving from predictive insights to actionable intelligence.
2. The Black Box Challenge: A recurring concern in the deployment of advanced AI is the "black box" phenomenon, where AI's decision-making processes become opaque. Firms across the industry are focused on the need for transparency, with systems that offer clear, explainable decisions. This is particularly crucial in finance, where understanding AI's rationale is key to trust and compliance.
3. Real-World Applications in Finance: AI's transformative impact is visible across wealth management, where AI is enhancing client experience by automating advisory services with more personalized and efficient interactions. Within capital markets, AI-driven models are streamlining trading and regulatory compliance, automating back-office functions and improving trade execution.
4. Regulatory Horizon – Certification for AI Agents: AI systems may require certifications in the future akin to human qualifications (e.g., CFA for financial advisors). This alignment would ensure that AI adheres to stringent industry standards, enhancing its credibility and reliability in financial decision-making.
5. Mimicking Human Cognition: "Master algorithms," blending causal graphs with natural language processing, aims to mirror human cognitive processes and offers a structured and transparent framework for AI. By simulating the brain's sensory, perception, and action blocks, this approach seeks to deliver AI that is both powerful and interpretable.
6. Scalable AI: Unlike traditional AI systems designed for singular tasks, the "one brain, multiple minds" model envisions multi-functional AI capable of handling diverse financial operations. This model not only optimizes resources but also enhances the scalability of AI solutions across business functions.
8. Optimizing Data Utilization: Industry professionals should advocate for a focused approach to data processing, akin to the brain's natural filtering mechanism. By concentrating on the most relevant data, organizations can reduce computational demands, making AI integration more efficient and sustainable.
Conclusion: By aligning AI's capabilities with human cognition and regulatory frameworks, organizations can leverage AI for scalable, transparent, and impactful financial solutions. The future of AI in finance is not just about automation but about building intelligent systems that resonate with human logic and ethical standards. This session on AI's transformative impact in the asset and wealth management industry underscored the importance of staying ahead in this rapidly evolving landscape.
Nicsa remains at the forefront of fostering innovation and collaboration among professionals in the industry. We invite you to join us at our next event, where you'll have the opportunity to engage with industry leaders, explore cutting-edge technologies, and gain valuable knowledge to drive your business forward. Don’t miss the chance to be part of our dynamic community shaping the future of asset and wealth management: SLF2025
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