{"id":145442,"date":"2026-08-19T22:09:10","date_gmt":"2026-08-19T22:09:10","guid":{"rendered":"https:\/\/www.europesays.com\/ai\/145442\/"},"modified":"2026-08-19T22:09:10","modified_gmt":"2026-08-19T22:09:10","slug":"consumers-want-ai-to-support-not-replace-financial-advisors","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ai\/145442\/","title":{"rendered":"Consumers Want AI to Support, Not Replace, Financial Advisors"},"content":{"rendered":"

While Americans have embraced artificial intelligence in their everyday lives, they draw a distinction about how much they are willing to do with AI when their finances are involved, according to findings released today by AI-native financial guidance platform\u00a0Addition Wealth<\/a>.<\/p>\n

\u201cPeople will turn to a platform and leverage AI for a lot of their financial questions, but often choose to connect with a financial advisor when they want greater confidence around more consequential decisions.\u201d<\/p>\n

Addition Wealth\u2019s Ana Mahony<\/p>\n

The\u00a02026 Future of Advice Survey: AI and Financial Guidance<\/a>, a nationwide survey of 1,000 adults, found that nearly three-quarters (74%) of Americans use AI regularly or occasionally in daily life, but only 21% use AI as a primary source for financial decisions. Only 14% fully trust it for financial guidance while 24% say they don\u2019t trust AI for financial decisions at all. One-third (33%) said they use AI occasionally as a secondary resource.<\/p>\n

\u201cConsumers are increasingly comfortable with AI helping them navigate financial decisions, but they continue to place a premium on human judgment, oversight, and accountability when money is on the line,\u201d said Ana Mahony, founder and CEO of Addition Wealth. \u201cPeople will turn to a platform and leverage AI for a lot of their financial questions, but often choose to connect with a financial advisor when they want greater confidence around more consequential decisions.\u201d<\/p>\n

Nearly three-quarters (72%) of those surveyed said they want a human leading or actively involved when they\u2019re receiving financial guidance, and only 5% prefer guidance that is fully AI-driven.<\/p>\n

When asked what would increase trust in AI for financial decisions, respondents ranked human oversight first (42%), slightly ahead of privacy and data protections (37%), transparency around how decisions are made (36%), backing from a trusted financial institution (30%), proven accuracy (28%), and personalized recommendations (27%).<\/p>\n

That preference is also reflected in how Americans want financial decisions supported. Nearly four in 10 (39%) prefer human-led financial guidance supported by AI, while another 33% want guidance exclusively from a person. Just 14% are comfortable with AI-led guidance with optional human support, and only 5% prefer guidance that is fully AI-driven. Taken together, nearly three-quarters (72%) want a human leading or actively involved when making financial decisions.<\/p>\n

Age strongest predictor of AI trust<\/p>\n

The research found the age of the person emerged as the strongest predictor of AI trust for financial decisions, while trust levels remained consistent across income brackets.<\/p>\n

Adults ages 18 to 34 fully trust AI at more than five times the rate of adults 55 to 64 (21% vs. 4%) and use AI regularly for financial decisions at nearly three times the rate (29% vs. 10%). Nearly half (48%) of adults 55 to 64 say they want financial guidance exclusively from a person, compared with 28% of younger adults.<\/p>\n

The survey also found meaningful differences by gender. Men fully trust AI for financial decisions at nearly twice the rate of women (18% vs. 10%), while women are 73% more likely than men to say they do not trust AI for financial decisions at all.<\/p>\n

One notable finding: income did not meaningfully influence trust. While overall AI adoption increased with income, the percentage of respondents who fully trust AI for financial decisions remained consistent across income brackets: 12% among those earning under $50,000, 16% among those earning $50,000-$100,000, and 17% among those earning more than $100,000 annually.<\/p>\n

The complete findings from the\u00a02026 Future of Advice Survey: AI and Financial Guidance, including additional charts, and methodology, is available\u00a0here<\/a>.<\/p>\n

SEE ALSO:<\/p>\n

\u2022\u00a0AI Adoption Fuels Advisor-Client Engagement, Shows JD Power<\/a>
\u2022\u00a0Employees Face Financial Stress as More Turn to AI for Support<\/a>
\u2022\u00a0Savers Report Mixed Feelings with Retirement Confidence<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"While Americans have embraced artificial intelligence in their everyday lives, they draw a distinction about how much they…\n","protected":false},"author":2,"featured_media":145443,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[71513,24,25,111,4487],"class_list":["post-145442","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ai","tag-addition-wealth","tag-ai","tag-artificial-intelligence","tag-artificial-intelligence-ai","tag-financial-advisors"],"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/145442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/comments?post=145442"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/145442\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media\/145443"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media?parent=145442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/categories?post=145442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/tags?post=145442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}