Herbert Kyles is a wealth advisor in the New York tech and financial services scene, known for his work at Farther, a digital wealth management platform, and for his public commentary on how technology and artificial intelligence are reshaping personal financial planning [1]. He currently holds the title of Senior Vice President, Wealth Advisor at Farther, having advanced from Vice President in the role he began in May 2024 [1]. Before joining Farther, Kyles worked as a financial consultant at Charles Schwab and at Santander Bank, and earlier in his career served as a financial planner at AspenCross Wealth Management, a position he began in 2014 shortly after completing his undergraduate business and accounting studies at Framingham State University [1].
In discussing Farther's approach, Kyles describes the firm's aim as allowing individuals, families, and even nonprofit institutions to view their entire financial picture, including tax matters, estate planning, investment management, and specific goals, consolidated on a single digital interface [2]. He argues that the purpose of this consolidation is not merely convenience but client engagement, contending that when people understand the reasoning behind a recommendation they remain more invested in the planning process rather than treating personal finance as an added burden [2]. He also frames wealth management as an intergenerational and educational undertaking, suggesting that failures in managing inherited or newly acquired wealth often stem from a lack of financial education rather than lack of resources [2]. As an example of underused financial knowledge, he points to the qualified small business stock exemption, a provision dating to 1993 that can exempt significant capital gains for early investors or employees in qualifying small businesses, which he says remains obscure despite renewed public attention [2].
Kyles distinguishes between artificial intelligence and technology as functionally separate but complementary tools within wealth management, describing AI as the engine that gathers and synthesizes vetted, published information more quickly, and technology as the delivery mechanism that presents that information to clients efficiently [3]. He contrasts this with his early experience as an adviser starting in 2014, when he says he built financial plans by hand using pen and paper, sketching account balances and projected income and expenses for clients [3]. He recalls that this manual process was inflexible, since adjusting a plan for a change in assumptions, such as a different rate of return or a shift in monthly expenses, required him to redo the analysis and return to the client days later [3]. He credits current technology with removing that lag, allowing him to adjust scenarios in real time during client meetings much like manipulating a spreadsheet, which he says reduces the emotional stress that can accompany delayed financial decision-making [3].
Beyond specific platform mechanics, Kyles has used broader demographic trends, such as aging populations and geographically dispersed families, to illustrate why he believes technology adoption in wealth management is increasingly necessary, drawing an analogy to ride-sharing services addressing mobility needs for older adults who no longer drive [2]. Taken together, his public remarks position him as an advocate for pairing technological tools with client education as a means of making complex financial planning more accessible and less intimidating [2] [3].
Insights & ideas
Herbert Kyles argues that artificial intelligence and technology serve distinct but complementary roles in wealth management: AI powers a platform to operate more efficiently and pull together already-published, vetted information more quickly, while technology is the vehicle that delivers those insights to clients in an accessible, digital format [1]. He contrasts this with the manual, pen-and-paper planning of his early career, noting that static one-page plans were inflexible and left clients waiting anxiously for updated scenarios, whereas AI-driven tools now allow real-time adjustments to assumptions like returns or expenses [1].
He also emphasizes that Farther's purpose is to let individuals, families, and institutions see their entire financial life, including tax, estate planning, investments, and goals, visualized in one digital place so clients understand and stay engaged in recommendations rather than treating finances as a stressful second job [2]. Kyles stresses the educational component of wealth advising, arguing people often mismanage sudden wealth without guidance, and highlights the importance of passing wealth through generations, drawing an analogy to how technology like ride-sharing solves broader demographic challenges such as aging, geographically distributed families [2].
Experience
- Senior Vice President, Wealth AdvisorFartherJul 2026 to Present
- Vice President, Wealth AdvisorFartherMay 2024 to Jul 2026
- VP, Financial ConsultantCharles SchwabNov 2020 to May 2024
- VP, Financial ConsultantSantander Bank, N.A.Sep 2018 to Nov 2020
- Financial PlannerAspenCross Wealth Management, Inc.May 2014 to Sep 2018
Education
Framingham State University · Bachelor of Science (B.S.), Business Administration & Accounting
Johnson County Community College
- Blue Valley Northwest High School
Media & appearances
- LIVE with Herbert Kyles, Vice President & Wealth Advisor at FartherK4CO Radio · Jul 10, 2025
Herbert Kyles, Vice President and Wealth Advisor at Farther, discusses how Farther allows individuals, families, and institutions to visualize their complete financial life in one place, covering tax, estate planning, investment management, and financial goals. He emphasizes the importance of passing down wealth through generations and the educational component of wealth management, and illustrates how technology innovations address broader demographic challenges like aging populations and distributed families.
- LIVE with Herbert Kyles, Vice President & Wealth Advisor at FartherK4CO Radio · Sep 30, 2024
Herbert Kyles, Vice President and Wealth Advisor at Farther, discusses how AI and technology integrate within wealth management platforms. He explains that artificial intelligence powers platforms to operate more efficiently and quickly, while technology delivers the solution, and describes how his firm uses AI to gather and research published, vetted financial information to create plans more effectively than manual methods from earlier in his career.
This page shows public professional information only, each fact cited. Is this you? Corrections or removal within 24 hours, no questions asked.