As AI becomes increasingly capable of generating financial recommendations, what unique value do you believe human advisors will continue to provide that AI cannot realistically replicate?

1 answer

RJRyan J. Speltz · Mortgage Broker/OwnerAug 6, 20260
While AI has been getting better at giving answers, it can only find what's reasonably available online currently. Human advisors will provide perspective that AI simply can't replicate at this time. Can this change? Absolutely. Currently however, human advisors can provide relationships, outside opportunities, and more that AI simply hasn't caught up with yet. Investing over the last 15 years has been in easy mode. Aet it and forget it. So it's easy to say that an AI could have done that. My curiosity with this question becomes more around AI responding to the emotional decisions humans make... Since inevitably AI is trained to do what you want, and cater to you, does it tell you you should sell if you bring it up to them? Too many variables to decide this today, but definitely something worth watching in the future.

RJRyan J. Speltz · Mortgage Broker/OwnerAug 6, 20260
While AI has been getting better at giving answers, it can only find what's reasonably available online currently. Human advisors will provide perspective that AI simply can't replicate at this time. Can this change? Absolutely. Currently however, human advisors can provide relationships, outside opportunities, and more that AI simply hasn't caught up with yet. Investing over the last 15 years has been in easy mode. Aet it and forget it. So it's easy to say that an AI could have done that. My curiosity with this question becomes more around AI responding to the emotional decisions humans make... Since inevitably AI is trained to do what you want, and cater to you, does it tell you you should sell if you bring it up to them? Too many variables to decide this today, but definitely something worth watching in the future.