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

Artificial intelligence (AI) 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.
• Distinguish differences between AI-generated recommendations and advisor-driven strategies.
• Identify critical gaps and blind spots in AI-generated retirement plans.
• Determine the advisor’s role in an AI-influenced planning environment.