Episode summary
Good Vibes Only: How Financial Advisors Can Build Custom Tools With AI
Summary
Jason Pereira argues that “vibe coding,” or what he calls agentic engineering, is making it practical for advisors to build software by describing what they need in plain language. He says the tools were not really usable until October or November, but now an advisor can ask for something as simple as a mortgage calculator and watch an AI agent generate code, a preview, and even hosting guidance.
He recommends starting inside familiar tools like ChatGPT, Claude, or Google Gemini, then moving to more approachable builders such as Lovable or Replit before graduating to more advanced options. The point, he says, is not to become a developer but to recognize that if you can define the input and output you want, AI can help create a custom app or console for your business.
Pereira also sees AI pushing firms to rethink the buy-versus-build decision. Large enterprises are increasingly asking vendors for data feeds rather than full software, while advice work itself becomes more commoditized. His answer is to define a niche, focus on the human value proposition, and use technology only as a tool to support that strategy.
Key takeaways
- Jason Pereira says vibe coding is really “agentic engineering,” where an AI agent can build software from a simple request.
- He says advisors can start by experimenting in ChatGPT, Claude, or Google Gemini before moving to Lovable, Replit, or more advanced tools.
- Pereira argues firms are shifting from buying more software to building custom experiences around vendor data feeds.
- He says advice workflows will keep getting commoditized, so advisors should narrow their ideal client profile and expand human-centered services.
- His core rule is that technology is not a strategy; it should enable the strategy a practice has already defined.
Notable quotes
“using an AI agent to build software for you. And it can literally be something as a simple command”
“I need a mortgage calculator. I need a calculator for this. I need something like that”
“If you can conceive of what it is you need and know what you need as both an input and an output, you can tell an AI to build it”
“Technology is not a strategy. Technology is there to embrace to to enable your strategy”
“You have to unfortunately wait into the deep end of trying to at least get your head around what's possible”
How the episode opens
Good vibes only. But what does that have to do in the context of wealth management? I'm joined by Jason Praer of Woodgate Financial to talk about vibe coding. So Jason, welcome. — Thank you. — So let's dive into this a little bit because this is a newer concept I would say for the wealth management space and advisers who are very entrenched in the tech side of things like yourself have really started playing a lot with vibe coding. So talk to me about the landscape there a little bit and why this is something that advisers should potentially be focused on.
Yeah. So I'll say, you know, don't feel like this is this is new to you. Don't feel afraid of it because frankly, I'd say up until October, November, it wasn't even good enough for us to play with, right?
So Videoding is basically the real term for it is agentic engineering. It's basically using an AI agent to build software for you. And it can literally be something as a simple command to say, I need you to do X, build a calculator that calculates mortgages or whatever else it is.
And basically the AI agent will go to work and build the code for you and build the app.
So let's take a step back then because obviously a lot of advisers their their brains are spinning still because there is so much to choose from now and now all of a sudden we're telling them they need to learn prompting and vibe coding. So where can they start? Because obviously this all starts around education but you know at the very base level where can folks get started?
Yeah. So I'll give you kind of a succession right. So you can probably start in the AI tool you're using today right?
From the episode’s captions: roughly the first two minutes, lightly cleaned. Keep watching on YouTube →
Topics
- ai agentic tools
- vibe coding
- buy vs build technology
- custom advisor software
- future of financial advice
Companies and tickers mentioned
- Woodgate Financial
Watch the episode
Watch “Good Vibes Only: How Financial Advisors Can Build Custom Tools With AI” on YouTube
Summary, takeaways and quote selection by Octagon. Quotes are short excerpts; the full conversation is in the episode.
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