Question 1

Is this investment advice?

Accepted Answer

No. Serra Education provides process and tooling consulting only, never Serra Wealth investment advice. What you get here is a process-and-governance guide, not legal, investment, or compliance advice. Use it to structure your own decisions, and confirm every obligation against the primary source and your own counsel.

Question 2

The blocker isn't the model — what is it?

Accepted Answer

It is the audit trail. Most wealth firms have already tried AI somewhere. Far fewer can show a reviewer where the data went, who checked the output, and how the decision would be reconstructed if a regulator asked. The binding constraint sits in the workflow around the model, not in the model you pick.

Question 3

Do these obligations change if I switch AI tools?

Accepted Answer

No. None of the rules regulate which model you use. They regulate whether a human owns the output, whether client data stays contained, whether client-facing AI is disclosed, and whether you can reconstruct what the model did. A firm can swap one model for another and change nothing about its compliance position.

Question 4

Where do the finder briefings come from?

Accepted Answer

Primary law, read by a person. Each obligation is sourced to the actual article, MiFID II, the GDPR, the EU AI Act, the FCA Handbook, ICO guidance, not to a scraped summary. Every line carries a citation and a confidence badge, and a person reviews each briefing before it is published.

Question 5

How does the paid path work, and what does it cost?

Accepted Answer

It is three steps, in order, and the paid step is never first. Start with a free one-page report for your firm. Then a free 15-minute intro call. If it is useful, a 60-minute optimisation session is 250 EUR, and that fee credits in full toward a Tier 1 audit, which runs 2,000 to 10,000 EUR depending on firm size and the number of workflows in play.

Question 6

Can I put live client data into an AI tool to test this?

Accepted Answer

Do not. Keep live client data out of any general-purpose AI tool. The report on this page is produced from a prompt you run inside your own environment, no client data leaves you, and Serra never asks you to send client data. Any real-data workflow needs a contracted tool, a lawful basis, and a data-protection impact assessment first.

Question 7

Is Serra vendor-neutral?

Accepted Answer

Yes. Serra Education does not resell an AI stack, so the recommendation is what works in your firm, not what pays a referral. The engagement is about the governance around the model, which is portable across whichever tools you already run.

Same headcount. A quarter of the hours. Still inside your conduct rules.