WealthTech Today Ep. 325: Decision Intelligence vs. AI Theater: What Actually Works in Wealth Management with Jeremi Karnell, Envestnet
Jan 22, 2026
Jeremi Karnell, Head of Envestnet Data Solutions, leads large-scale wealth data aggregation and decision intelligence. He discusses turning digital exhaust into daily, workflow-embedded insights. He contrasts decision intelligence with flashy AI, explains knowledge graphs and propensity models, and describes measurable lift from data-driven programs and agentic AI workflows.
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Digital Exhaust Powers Decision Models
- Jeremi Karnell says InvestNet processes "digital exhaust" from $7.4 trillion AUM to feed analytics and decision models.
- That scale of institutional data enables prescriptive, data-driven guidance across advisors and asset managers.
Decision Intelligence Over Episodic AI
- Jeremi argues decision intelligence (orchestrated analytics) matters more than episodic AI point tools for advisors.
- He emphasizes using knowledge graphs, propensity models and predictive/prescriptive analytics to support advisor judgment.
Knowledge Graphs Drive Precise Predictions
- InvestNet built an advisor and investor knowledge graph covering ~100,000 advisors and ~12M accounts to power propensity models.
- Those models predicted high-precision buys and meaningful inflows into InvestNet-managed products.