PFP2607. AI vs. Advisor: Who Builds a Better Retirement Income Plan in 2026?

Artificial intelligence is quickly becoming part of the financial planning conversation—but how reliable is it when building a comprehensive retirement income plan?

In this session, you’ll examine retirement income planning through the lens of seasoned advisors evaluating AI-generated strategies. Rather than focusing on how to use every AI tool, this session focuses on something more critical: understanding where AI gets it right—and where it can lead clients astray.

Using real-world examples and planning scenarios, you’ll see how AI approaches retirement income decisions such as withdrawal strategies, tax efficiency, and risk management—and how those outputs compare to the judgment, nuance, and experience of a professional advisor.

This session is designed to help you identify the technical gaps, hidden assumptions, and blind spots that can arise when clients rely on AI-generated advice. You’ll walk away better equipped to validate, challenge, and improve AI-driven outputs—while reinforcing your role as the trusted expert clients need in an increasingly automated world.

Learning Objectives:

• Analyze key considerations in retirement income planning
• Analyze differences between AI-generated recommendations and advisor-driven strategies
• Identify critical gaps and blind spots in AI-generated retirement plans
• Reinforce the advisor’s role in an AI-influenced planning environment