The AI Advantage Most Financial Advisors Are Completely Missing
In this episode of Vaulted Views, I sit down with Chris Mendoza, Head of Research at 15 Equity and one of the few people I know who lives at the intersection of artificial intelligence, investment research, and financial advisory businesses.
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Every financial advisor is asking the same question:
Will AI replace me... or make me better?
That's the low view.
The vaulted view is asking a different question:
How do I use AI to become a better advisor?
In this episode of Vaulted Views, I sit down with Chris Mendoza, Head of Research at 15 Equity and one of the few people I know who lives at the intersection of artificial intelligence, investment research, and financial advisory businesses.
Chris holds a Master's in Applied Artificial Intelligence from the University of San Diego—before ChatGPT ever became mainstream—and spends his time helping advisors think differently about AI.
Not as a shortcut.
Not as a replacement.
As leverage.
Together we explore how financial advisors can use AI to improve investment research, strengthen client relationships, automate operational workflows, and build practices that become more valuable over time.
One idea from this conversation really stood out to me.
For decades, an advisor's competitive advantage was knowledge.
Today, AI has access to knowledge too.
The advisors who win won't simply know more.
They'll use AI to sharpen their judgment while spending more time doing what only humans can do: building trust, providing context, and helping clients make better decisions.
- Why AI should challenge your thinking—not replace it
- The Socratic method every financial advisor can use with AI
- How to use AI to stress-test investment ideas and planning strategies
- Why your firm's systems matter more than the AI tools themselves
- Building an AI-powered advisory practice without losing the human element
- How AI agents can streamline operations and improve advisor productivity
- Why your judgment—not your prompts—is your competitive moat
- Practical first steps for advisors who want to start implementing AI today
The firms that pull ahead over the next decade won't be the ones with access to better AI.
They'll be the ones who build better systems, develop better judgment, and create more time for the conversations that matter most.
That's the future we're building toward.
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I can’t but help that deep down I am and always will be a financial advisor. From time to time I plan on sharing financial strategies and concepts that I feel will be valuable to our subscribers.
I have learned a lot over the years about the financial services industry. Financial advisors are small business owners balancing two roles, first being a financial advisor to their clients and second being a responsible business owner for their family, staff and their community. I plan on sharing financial industry content and my experiences to this select group of subscribers here.
We all have vices. Mine are fine whiskeys, cigars and thoroughbred horseracing. So if you are in to that, I will share what I'm up to recently to relax and enjoy my time away from the hustle.
Thank you for being a part of this journey. Together, we’ll unlock the secrets to success in money, business, and life.
Warm regards,
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Let’s Start the Conversation
Whether you’re an advisor looking to grow, an investor seeking clarity, or a community partner with a shared vision — Ray welcomes the opportunity to connect.
Every great relationship starts with a conversation, and every conversation begins with a question. Step inside the vault and reach out below.
For Financial Advisors
If you’re interested in collaboration, partnerships, or joining the Quotient ecosystem, start by joining the Quotient Advisor Community — it’s where ideas turn into action.
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If you’d like to connect with a wealth advisor from Lucia Capital Group or Quotient Advisor Partners to explore your financial plan, we’ll connect you with the right team.
For Media & Speaking Inquiries
Interviews • Events • Podcast Collaborations
Ray frequently speaks on leadership, innovation, and the evolution of wealth management.
For Financial Advisors
If you’re interested in collaboration, partnerships, or joining the Quotient ecosystem, start by joining the Quotient Advisor Community — it’s where ideas turn into action.
For Investors
If you’d like to connect with a wealth advisor from Lucia Capital Group or Quotient Advisor Partners to explore your financial plan, we’ll connect you with the right team.
For Media & Speaking Inquiries
Interviews • Events • Podcast Collaborations
Ray frequently speaks on leadership, innovation, and the evolution of wealth management.