I have spent more than twenty years in rooms where ultra-high-net-worth UHNW family make consequential decisions. Real estate transactions. Trust funding decisions. Conversations about how to structure the next generation of wealth. Until recently, those patterns were familiar. That is no longer the case.
The principal walking into a meeting with their attorney, their CPA, their wealth advisor, or their insurance specialist in 2026 has already had the conversation. They had it the night before. They had it with ChatGPT, Perplexity, Gemini, Claude, or Microsoft Copilot. They asked the engine what to think about premium financing. They asked whether they should rush to use their estate exemption before it gets cut in half. They asked who the best PPLI specialists in the country are.
By the time they walk into the room with the credentialed human advisor, an opinion has been formed. That opinion is sometimes correct. It is increasingly often, dangerously, wrong.
