The Real Threat Isn’t AI. It’s Using AI Poorly.
Let’s get one thing clear: AI won’t make us good at our jobs.
It’ll just make the average look impressive - for a little while.
We’re at a crossroads. One path leads to “AI as a crutch.” The other to “AI as alever.”
Here’s What That Means for Financial Planners
If you’re using AI to churn out client emails faster, write dry blog posts faster or answer compliance questions faster - you’re not innovating. You’re automating mediocrity. And that’s now the bare minimum.
But if you're using AI to explore more strategies for clients, visualise scenarios in ways humans couldn’t before, build deeper personalisation, test ideas at scale and communicate with clarity across formats and audiences - now you’re doing something clients should be excited about.
It’s not about AI replacing us. It’s about clients preferring to work with planners who know how to use AI well.
How Should Financial Planners Use AI?
- For insight, not output. AI is great at surfacing options - but your taste, judgement and experience decide what’s worth sharing with clients.
- For scenario-building, not shortcuts. Clients don’t want AI plans. They want real-world “what ifs” they can feel confident in.
- For reach and relevance. Want to scale communication? AI video and content tools mean every client can get tailored updates - without copying and pasting.
Why That’s Great News for Clients
Because planners who embrace AI well aren’t just faster. They’re clearer, more creative and more present.
Instead of cutting corners, they’re cutting through noise.
They’re not just using AI to do more - they’re using it to do better.
And that’s the real difference between “good enough” and “worth paying for.”