On November 30, 2022, ChatGPT was released to the public. On that day, very few people understood its significance—many still struggle to grasp how AI will reshape the world. It’s reminiscent of when the World Wide Web was made public on April 30, 1993.

In late 2022, Members Wealth was in the final stages of launching. By early 2023, we officially opened for business, bringing on our first client with approximately $10 million in assets. Two of us were hunkered down behind our home desks, confident in our vision for growth.

Fast forward to early 2025—our assets have grown twentyfold, We've moved into a beautiful new office space overlooking central Media, PA, and we are now a team of seven. This is an open invitation to come see our new space and say hello to the team.

The path hasn’t been linear, but every challenge has led to progress. ChatGPT and other AI applications have made us more efficient than we could have imagined.

Just last week, we used AI to line up, structure, and tee up a trade across most of our portfolios—something our trading system couldn’t do without hours of manual work. What once seemed impossible is now seamless, thanks to AI-driven efficiency.

What used to be a time-consuming, manual process requiring extensive work hours is now reduced to minutes. The 10/80/10 rule applies: 10% of our effort is deciding the best trade for clients, 80% is preparing the trade, and the final 10% is reviewing and executing. We used to do 100% of that work—now, AI handles the 80%.

We are no longer bound by the traditional trade-off between scale and customization. It used to be a choice: Go big for scale or stay boutique for customization. Big meant models. Custom meant work hours. Now, AI has redefined what’s possible: Stay boutique for customization and leverage AI for scale.

We are usurping large-staff productivity with a seven-person team, thanks to AI. We are now achieving the experience of Fortune 500 productivity—without the red tape, without the headcount. More importantly, we are putting control of client portfolios back in the hands of advisors and, ultimately, the client.

We haven’t “arrived,” but we are well on our way, and it feels great.

We are not a platform—we are a high-quality wealth management firm. We believe we’ve built an exceptional environment for established advisors, aiming to bring on one advisor per year. Over the past two years, we have successfully onboarded a new advisor each year, and we are now keeping our eyes open for this year’s addition.

Our team isn’t made up of people who just follow a process and clock out at 5 PM. They are those who want to make a difference—who seek meaningful experiences, helping people achieve their goals while building a firm their children will be proud of.

Our clients are those who want to be proactive about their financial future.

Our advisors are those who want freedom, scaled efficiency, customization, and control.

About the Author – Tim Thomas, COO

Tim Thomas is the co-founder of Members’ Wealth and serves as the firm’s Chief Operating Officer. Prior to this position, he worked in a variety of roles including consultant to the Bank of New York’s investment platforms, branch manager and Director of Service and Operations at Lockwood Financial, and as a specialist clerk on the New York Stock Exchange. In recent years, Tim started and operated an RIA, consulted other RIAs, and worked as a financial coach and consultant on financial strategy for small companies and nonprofits. 

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