Savvy Wealth Ritik Malhotra, Founder and CEO of Savvy Wealth, is setting the standard for AI innovation in wealth management, and proving that the firm with the best data, not the biggest AI budget, wins. A repeat technical founder and Y Combinator alum, Malhotra made an early, contrarian bet: build one unified client data layer before building any AI on top of it. That foundation became Savvy Intelligence, an AI operating system whose first agent, the Financial Planning Agent, models complex scenarios like Roth conversions, RMD projections, and tax-loss harvesting in minutes, work that once took hours across half a dozen systems. Within two months of launch, 92.9% of advisors adopted it, even though it's entirely optional. Advisors now reclaim an average of 19 hours a week, have grown client household capacity 30-40% without adding headcount, and have surfaced real client savings.