Andrew Guitarte describes the paradigm of big data analysis and how it “shifts from manual to auto­mated, dependent to autonomous, isolated to context-aware, product-driven to needs-based, batch to real-time, and static to streaming.” This paradigm shift is important especially in the context of automated wealth advisory services where the organization of otherwise unstructured data is vital. His article takes us into the realms of business capability architecture (BCA) and presents a cognitive and heuristics-based emergent financial management (aka CHEF) tool that can be used effectively in emergent decision-making processes of bank employees, shareholders, and their customers.