Three major institutions announcing AI tools within weeks of each other is not a coincidence — it is the industry responding to a shared threshold. Schwab's decision to announce client-facing agents for June delivery, rather than a vague future rollout, is the most operationally committed of the three. Citi Sky's framing as an "always-on" team member built on DeepMind infrastructure positions it as ambient infrastructure rather than a feature. Raymond James' AI advisor academy addresses the adoption gap that every enterprise AI deployment eventually hits: tools that advisors do not…