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<\/p>\nMaking Cents: The pros and cons of using AI to plan your future<\/p>\n
\n\t\t\t\t\t\t\t\t\t\t\t\t\tALL RIGHT. WELCOME BACK. SO AS MORE PEOPLE TURN TO AI FOR EVERYDAY ANSWERS, SOME ARE NOW USING IT TO HELP PLAN FOR RETIREMENT. BUT HOW RELIABLE IS THAT ADVICE? WELL, JOINING US THIS MORNING TO BREAK DOWN THE BENEFITS AND THE RISKS, VICE PRESIDENT, FINANCIAL ADVISOR WITH CAP TRUST, CATHERINE MCCALL, THANK YOU SO MUCH FOR JOINING US. AS ALWAYS. WHAT A GREAT TOPIC TO. SO YEAH, AI IS BEING USED FOR SO MANY THINGS NOWADAYS. SO HOW CAN WE USE AI TO HELP US WITH RETIREMENT PLANNING? I THINK BASIC RETIREMENT PLANNING DOES A DECENT JOB. I WOULDN\u2019T CALL IT FULLY THOUGHT OUT, BUT I WOULD SAY IF YOU ARE LOOKING FOR SOMETHING TO TELL YOU HOW MUCH YOU WANT, YOU NEED TO SAVE FOR RETIREMENT, THIS IS A PRETTY DECENT IDEA. YOU\u2019RE GOING TO PUT IN YOUR INFORMATION, ALL YOUR ACCOUNTS, YOUR, YOU KNOW, ACCOUNT NUMBERS, BUT YOU KNOW, THE VALUES YOU\u2019RE SPENDING AND IT\u2019S GOING TO BASICALLY SPIT OUT LIKE, HERE\u2019S HOW MUCH YOU NEED TO RETIRE AND HERE\u2019S WHAT YOU LIKE, HOW MUCH YOU SHOULD SAVE TO GET TO THAT NUMBER. BASIC LEVEL, USEFUL AND EDUCATIONAL. I DON\u2019T KNOW THAT I WOULD CALL THAT FINANCIAL ADVICE YET. SURE. OKAY, SO GIVE US SOME OF THE TECHNICAL DRAWBACKS YOU\u2019RE SEEING. AGAIN, AT LEAST IN THESE EARLIER STAGES. YEP. EARLIER STAGES. WE CANNOT DO TAX PLANNING WITH THIS. SO IT WON\u2019T UNDERSTAND QUITE THE DISCERNMENT OF LIKE WHEN WE SHOULD TAKE WHICH ASSET AND HOW. MEANING WHEN DO WE TAKE SOCIAL SECURITY, WHEN DO WE PULL FROM OUR IRAS VERSUS OUR REGULAR ACCOUNTS? YOU KNOW, SOME OF THE OPTIMIZATION WITHIN THE TAX STRUCTURE, PARTICULARLY IN YOUR EARLY YEARS OF RETIREMENT, IT CAN\u2019T FIGURE OUT LONGEVITY IF YOU HAPPEN TO HAVE A FAMILY HISTORY OF SOMEBODY LIVING TO 101. NOW ALL OF A SUDDEN WE HAVE A DIFFERENT EQUATION THAT WE NEED TO PLAN FOR, AND IT\u2019S NOT READY THOSE THINGS, RIGHT? LONG TERM CARE. IF YOU HAVE A HISTORY OF ALZHEIMER\u2019S IN YOUR FAMILY AND MAYBE YOU, YOU HAVE A REASON TO CONSIDER THAT IT\u2019S NOT QUITE READY TO DISCERN, YOU KNOW, WHEN WHEN WE NEED TO BUY LONG TERM CARE INSURANCE, OR MAYBE WHEN WE SELF-INSURE. OKAY, THE, THE TECHNICAL SIDE IS ONE THING, BUT THERE\u2019S ALWAYS AN EMOTIONAL SIDE ATTACHED AS WELL. HONESTLY, I THINK THIS IS MORE IMPORTANT THAN ANYTHING ELSE. I, I SPEND ABOUT MOST, I WOULD SAY HALF THE TIME MANAGING MY CLIENT\u2019S EMOTIONS MORE SO THAN THE FINANCIAL PLANNING ASPECTS ITSELF. THAT\u2019S REALLY MORE TECHNICAL. THE EMOTIONAL PLANNING AROUND, YOU KNOW, MAYBE WE HAVE A HEALTH EVENT, MAYBE THE MARKET IS DOING SOMETHING THAT\u2019S FREAKING US OUT. YOU KNOW, BIG RETIREMENT DECISIONS, A DEATH IN THE FAMILY, A LOT OF THESE MORE SQUISHY TOPICS. UNFORTUNATELY, AI REALLY JUST MIRRORS BACK OUR EMOTIONS. IT\u2019S NOT READY TO BE THAT THIRD PARTY, LIKE DEVIL\u2019S ADVOCATE VOICE OF LIKE, HERE\u2019S ANOTHER SIDE OF THIS ARGUMENT. PROCESSING SPEED IS NOT THERE YET. RIGHT? SO THOSE ARE DIFFICULT CONVERSATIONS THAT I DON\u2019T THINK A HUMAN CAN BE REPLACED WITH. I REALLY DO BELIEVE THAT THAT\u2019S I WOULD SAY USE IT AS AN EDUCATIONAL TOOL. DON\u2019T USE IT FOR FULL FINANCIAL ADVICE. TALK TO A TRUSTED PROFESSIONAL, KIND OF LIKE THE WEB MD, RIGHT, RIGHT. FINANCIAL ADVISOR. IT\u2019S A GOOD STARTING POINT. AND THEN IT\u2019S ENTERTAINING TO FIND OUT WHAT Y\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n
Making Cents: The pros and cons of using AI to plan your future<\/p>\n
\t\t\t\t\t\t<\/p>\n
\n\t\t\tUpdated: 1:57 PM PDT May 13, 2026\n\t\t<\/p>\n
\t\tEditorial Standards \u24d8<\/a><\/p>\n \n\t\t\t\t\t\tAs more people are turning to AI for everyday answers, some are getting to the point where they are turning to it to help plan for retirement.The question at hand is this: How reliable is that advice?Vice President and Financial Advisor with CAPTRUST Kathryn McCall explained the pros and cons of relying on artificial intelligence.See more coverage of top California stories here | Download our app | Subscribe to our morning newsletter | Find us on YouTube here and subscribe to our channel | Make KCRA a preferred news source in Google\n\t\t\t\t\t<\/p>\n \t\t\t\t\t\tSACRAMENTO, Calif. \u2014 \t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n As more people are turning to AI for everyday answers, some are getting to the point where they are turning to it to help plan for retirement.<\/p>\n The question at hand is this: How reliable is that advice?<\/p>\n Vice President and Financial Advisor with CAPTRUST Kathryn McCall explained the pros and cons of relying on artificial intelligence.<\/p>\n See more coverage of top California stories here<\/a> | Download our app<\/a> | Subscribe to our morning newsletter<\/a> | Find us on YouTube here and subscribe to our channel<\/a> | Make KCRA a preferred news source in Google<\/a> <\/p>\n","protected":false},"excerpt":{"rendered":"Making Cents: The pros and cons of using AI to plan your future ALL RIGHT. WELCOME BACK. SO…\n","protected":false},"author":2,"featured_media":38056,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[24,3962,25,23625,23621,23623,14060,711,23619,23628,23620,23626,23627,19672,23624,23622,12566],"class_list":["post-38055","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ai","tag-ai","tag-app","tag-artificial-intelligence","tag-captrust-kathryn-mccall","tag-con","tag-download","tag-financial-advisor","tag-future","tag-kathryn-mccall","tag-kcra","tag-making-cents","tag-more-coverage","tag-preferred-news-source","tag-pro","tag-subscribe","tag-top-california-story","tag-vice-president"],"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/38055","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=38055"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/38055\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media\/38056"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media?parent=38055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/categories?post=38055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/tags?post=38055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}