unlocking potential and building trust: a human-first approach to ai in financial advising .

Generative AI is reshaping industries, and financial advising is no exception. But with great potential comes great responsibility. This session dives into the transformative power of AI, unpacking what it is, why it matters, and most importantly how investors and clients want it to be used.

Drawing on their latest behavioural adviser and client research, Morningstar will explore client approved AI use cases that drive efficiencies, free up time, and allow advisers to focus on what matters most: your business and your clients. Not all use cases are created equal, and this session will reveal where clients are comfortable with AI integration and where they’re not, helping you navigate this evolving landscape with confidence.  

Guided by behavioural science, Morningstar will showcase the fundamentals of generative AI, its capabilities, and real-world applications in financial advising. But it’s not just about the tech. This session takes a human-first approach, addressing investor concerns around data protection, transparency, and the critical need for human oversight.  

You’ll discover how to integrate AI into your workflows in ways that align with client values, foster trust, and preserve the personal touch that defines exceptional financial advice.

risk profilers: built for modern planning or stuck in the past?

As financial planning evolves, how do you deal with risk profiling tools that can’t keep pace?

Financial planning has become far more holistic and goals based. Clients aren’t just asking about performance; they’re asking how their money gets them to where they want to be, and what “good” looks like along the way.

In this session, Aspen will challenge the status quo of risk profiling and explore what a more modern, client-first approach could look like. From the limits of traditional questionnaires to the messy reality of how clients actually behave with money, they’ll unpack where risk tools fall short and why “risk appetite” alone doesn’t tell the full story.

Aspen will bring this to life through a practical case study that shows how aggregate risk techniques and bucketing can support different client goals across multiple time horizons - not just in retirement planning. The outcome is a more intuitive, outcomes-driven investment experience that aligns with Consumer Duty and with how clients naturally think about their future.

top trumps, trusts and tax treatment: practical approaches to iht planning

Inheritance Tax planning can feel like a maze of rules, timelines and trade-offs —but it doesn’t have to. IHT Top Trumps reframes the conversation using a simple visual approach that helps you segment client assets and align the right planning tools at the right time.

In this interactive session, M&G starts by categorising assets into Green Money, Amber Money, and Red Money - a practical way of assessing whether funds are expected, possible or unlikely to be used in a client’s lifetime. This segmentation becomes the foundation for matching planning techniques to real-world behaviour, rather than to generic tax theory.

From there, you’ll explore the “Famous Five” trust-based solutions - Gift Trust, Discounted Gift Trust, Loan Trust, Reversionary Interest Trust and Business Relief -and assess how each solution plays against the three asset types. You’ll quickly see what is suitable, what is borderline, and what is unlikely to deliver the right outcomes.

The team from M&G will also look at scenarios where planning has been delayed -showing how options compress over time and why early segmentation matters. A focused comparison between Business Relief and Loan Trust highlights the tradeoffs in liquidity, legislative risk, capital growth access and tax efficiency.

The final section models investment outcomes over 15 years, showing how tax treatment and IHT relief can significantly impact returns. The session concludes with a reminder not to let tax considerations override sound investment decisions, encouraging a balanced approach to IHT planning.

beyond the note taker: how to get your team actually using ai (not just buying it)

Most advisers have bought an AI tool by now. But here's the problem: your team isn't using it. Or one person is, and everyone else has gone back to the old way. You're paying for software that sits idle while Sunday evenings are still spent on compliance work.

Building AI for hundreds of firms has shown us this: the gap between buying and adopting is where most firms fail. This session is about closing that gap.

This session will cover:

• Why adoption fails in most firms. The real reasons teams don't use AI tools they've paid for. It's not what you think (and it's not about being tech adverse or "too old to learn").

• The three things firms with high adoption do differently. Not features. Not training. The structural choices that make AI something your team reaches for daily instead of avoids.

• How to evaluate AI for adoption, not just capability. Every tool demos well. But will your team actually use it in six months? Marloo will show you what to look for and what questions separate tools that get adopted from tools that get abandoned.

• The implementation mistakes that kill adoption before it starts. Common patterns Marloo see firms make in the first 30 days that doom the rollout. And how to avoid them.