Kitces and Carl - Real Talk for Real Financial Advisors Is There A Future Of Financial Planning In The AI Era?: Kitces & Carl Ep 169
Jul 24, 2025
The podcast dives into the revolutionary impact of AI on financial planning. It emphasizes the power of technology to enhance, not replace, the vital human connections in advisory roles. The hosts discuss concepts like 'self-driving money' and how automated systems can support personal financial goals. They highlight the evolving landscape that necessitates emotional intelligence and deeper client relationships. Plus, there's a fascinating look at how data analysis can benefit athletic performance, illustrating the broad applications of AI.
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Episode notes
AI Changes Tools Not The Human Core
- AI will change tooling but likely won't fully displace financial planners overnight.
- Human conversations and judgment remain central to planning decisions.
Automation Needs Human Goals
- Self-driving money can automate mechanics but must follow personal goals and values.
- Determining those goals is a human task AI cannot fully infer for most people.
AI Replaced A Coach Call For Training Data
- Carl uploaded 15 years of training data into ChatGPT and got an immediate, useful explanation.
- The AI output replaced his need for a coach call in that moment.