The world is changing at such a pace with the takeover of AI. Many Jobs as we know them, will very soon, if not already, be defunct and or obsolete. My practice in financial planning could be affected. So I turned to AI and asked for a point of view. Here’s a summary of my discussion with AI.

Let’s explore AI and financial planning. Will machines replace human planners? Short answer: no, but AI will change how they work.

What AI does for planning

AI gathers your money details quickly and runs “what if” scenarios—retire at 65, market dips, future taxes. It gives clear, plain-language ideas and shows many options with simple visuals. It speeds up routine tasks and expands the range of scenarios you can review.

Why AI won’t replace the human planner

People need trust, empathy, and values-based advice. AI can’t know your life story or what matters most to you. Complex life events—taxes, estates, family plans, caregiving—require judgment and context. Advisors also ensure fiduciary duty: disclosures and putting clients’ interests first.

How planners use AI effectively

Adopt a hybrid model: AI handles data work and option generation; humans add personal guidance. What stays human: listening, calming nerves during volatility, guiding tough decisions, and keeping plans aligned with values and goals.

Takeaway and call-to-action

AI boosts planners, it doesn’t erase the human touch. When shopping for help, ask how they use AI and how they keep the human in the loop.

A futuristic point of view

Trust is key – If AI gets more consistently reliable (buy, sell, hold), then perhaps humans will adapt more towards it.

Personal touch – perhaps we will be able to create an avatar of our own financial planner based on the attributes and profile we prefer. Already there is a digital movie star created in Hollywood.