--- title: Private AI for family offices description: A guide to private AI for family offices covering its uses, why public AI tools are a weak fit, and a six-layer checklist for choosing a vendor. canonical: https://privatesuperintelligence.si/guides/private-ai-for-family-offices/ last-updated: 2026-10-07 --- # Private AI for family offices Private AI for a family office is an AI service that works on the family's own information inside boundaries the family controls: the provider keeps no copy, trains no model on it, and every action runs under permissions the office sets. It matters because a family office holds the most sensitive record a family has, from trust deeds to travel plans, in one place. A general-purpose chatbot puts that record on someone else's terms. ## What family offices use AI for Adoption has moved past experiments. The 2025 RBC and Campden Wealth North America Family Office Report found that 29% of North American family offices use generative AI to aid investment reporting and 30% use it for research, against 11% that had implemented generative AI at all in 2024. AI also leads as an investment theme. UBS's Global Family Office Report 2026, drawn from 307 family offices, found 65% already invested across the AI value chain. Citi's research on AI in the family office reports that 22% have automated operational tasks or use AI for investment analysis, up from 13% in 2024, and observes that the most successful applications solve everyday problems such as summarizing documents, transcribing meetings, managing email and automating reports. In practice, the work an AI concierge takes on in a family office looks like this: - **Correspondence.** Drafting replies to bankers, lawyers and family members in the principal's voice, and keeping threads with dozens of advisers from going stale. - **Investment memos.** Turning a data room, a manager letter or a co-investment pitch into a first-draft memo the investment committee can mark up. - **Entity and trust administration.** Tracking filing deadlines, board minutes, distributions and signatory lists across holding companies, trusts and foundations. - **Travel.** Building itineraries, coordinating aviation and security, and holding the preferences of each family member. - **Household staff.** Scheduling, payroll questions, onboarding documents and handover notes across several residences. - **Philanthropy.** Screening grant requests, preparing foundation board packs and following up on grantee reports. - **Reporting across advisers.** Pulling statements from custodians, fund administrators and accountants into one view, and flagging where the numbers disagree. ## Why general-purpose AI tools are a poor fit for family information Three features of a family office make consumer and general workplace AI tools a weak match. **Concentration.** A single office holds tax returns, estate plans, medical arrangements, security details and the movements of the principals. One exposed account can reveal all of it. Deloitte's Family Office Cybersecurity Report 2024 found that 43% of family offices worldwide had experienced a cyberattack in the previous 12 to 24 months, rising to 57% in North America and 62% for offices with more than $1 billion in assets. Phishing was the most common attack, seen by 93% of victims, and 31% of offices had no cyber incident response plan. **Many hands.** Family offices depend on outside firms. J.P. Morgan Private Bank's 2026 Global Family Office Report, drawn from 333 family offices in 30 countries, found that legal services (52%), trading and market execution (45%) and cybersecurity (38%) are the functions offices outsource most, and that 32% name cybersecurity as their greatest service need. Every adviser who pastes family material into a different AI tool adds another copy under another set of terms. **Reputation and security.** A leaked memo or travel schedule carries a cost beyond money. Citi states the standard: data privacy is non-negotiable for family offices, and offices will pass over AI solutions that cannot guarantee data security. Public AI products are built for scale. Their defaults on retention, human review and model training are set for millions of users, and the office has little say in where data sits or who can reach it. ## What to require from a private AI service Use six layers to test any service. A gap in one layer undoes the protection in the others. 1. **Retention and deletion.** The provider retains nothing after a task ends and trains no model on your data. You can delete any record and get confirmation that every copy is gone, including logs and backups. 2. **Communication.** Messages between your staff, advisers and the AI travel over encrypted channels, and the service never sends anything outside your office without an explicit rule allowing it. 3. **Access and actions.** Each person sees what their role permits and nothing more. The AI acts within permissions you grant, such as drafting without sending or proposing a payment without releasing it, and every action leaves an audit trail. 4. **Model inference.** You know which models process your requests, where they run, and whether the model operator can see prompts or outputs. Inference should happen under terms that forbid retention and training. 5. **Data storage.** Documents and memory sit in storage you control or that is dedicated to you, encrypted at rest, in a jurisdiction you choose. 6. **Deployment.** The service can run in an isolated environment for your office, separate from other clients, with a clear answer on who at the vendor can reach it and under what conditions. ## Questions to ask a vendor - What do you store after a task completes, and for how long? - Do you or any model provider you use train on our data, and does a contract say so? - Which models handle our requests, and where does inference run? - Can staff at your company or at your model provider read our prompts or outputs? - How do you separate our data from other clients' data? - What can the AI do without a human approving it, and can we change those limits per person? - Where is our data stored, and can we choose the jurisdiction? - How do we delete everything, and what proof do we receive? - What happens to our data if we end the contract or you are acquired? - Who do we call during an incident, and how fast do you notify us? ## How private superintelligence fits [Private superintelligence](/what-is-private-superintelligence/) describes AI with broad capability that works for one owner, on that owner's data, inside boundaries the owner controls. Private SuperIntelligence from Mitosis Labs is an AI concierge for enterprises, family offices and private clients, built on six privacy layers that match the checklist above: retention and deletion, communication, access and actions, model inference, data storage, and deployment. The provider retains nothing and trains on nothing. Intake is limited and the current intake is fully subscribed; you can [register interest](/#waitlist), and qualified registrations can book a conversation with Alex Morris, CEO and co-founder of Mitosis Labs. ## Frequently asked questions ### What is private AI for a family office? It is an AI service that works on family information inside boundaries the office controls. The provider keeps no copy of the data, trains no models on it, and acts within permissions the office sets. ### Is it safe to use ChatGPT or other public AI tools in a family office? Public tools apply retention, review and training defaults designed for a mass audience, and the office cannot control where data goes. For tax, estate, security and travel information, a service with contractual no-retention and no-training terms is a safer choice. ### How many family offices use AI today? The 2025 RBC and Campden Wealth report found that 29% of North American family offices use generative AI for investment reporting and 30% for research. Citi reports that 22% have automated operational tasks or use AI for investment analysis. ### What should a family office ask an AI vendor first? Start with retention and training: what the vendor stores, for how long, and whether any model provider can train on your data. Then ask where inference runs and who at the vendor can reach your environment. ### Can private AI take actions such as sending email or booking travel? Yes, within limits you define. A well-designed service lets you grant each action on its own, require approval for sensitive steps such as payments, and log everything the AI does. ## Related guides - [Is ChatGPT safe for confidential information?](/guides/is-chatgpt-safe-for-confidential-information/) - [What is zero data retention AI?](/guides/zero-data-retention-ai/) - [How to keep company data private when using AI](/guides/keep-company-data-private-with-ai/) - [Private AI vs public AI](/guides/private-ai-vs-public-ai/) - [What is private superintelligence?](/what-is-private-superintelligence/) ## Sources - [The North America Family Office Report 2025, RBC Wealth Management and Campden Wealth (press release, Campden Wealth)](https://www.campdenwealth.com/press/2025-rbc-and-campden-wealth-report-north-american-family-offices-adapt-uncertainty-and) - [AI in the Family Office, Citi Institute (Citigroup)](https://www.citigroup.com/global/insights/ai-in-the-family-office) - [The Family Office Cybersecurity Report 2024, Deloitte](https://www.deloitte.com/cz-sk/en/services/deloitte-private/about/family-office-cybersecurity-report.html) - [J.P. Morgan Private Bank Releases 2026 Global Family Office Report, J.P. Morgan Private Bank (PR Newswire)](https://www.prnewswire.com/news-releases/jp-morgan-private-bank-releases-2026-global-family-office-report-302676012.html) - [UBS Global Family Office Report 2026, UBS](https://www.ubs.com/global/en/media/display-page-ndp/en-20260528-global-family-office-report-2026.html)