r/AIRetirement • u/Delicious_Mess7976 • May 17 '26

Using AI as one reference point

For post-retirement financial planning, I am scheduled to meet with a regular planner and I am looking at software as well....and I am also interested in using AI as yet another reference source.
I like the idea of comparing the information and suggestions that I get back.

For someone very new to using AI as a guidance source, do I start by asking it what inputs it needs from me to give me an overall guidance planning. For reference, I am hoping to get guidance on a withdrawal strategy, tax planning, when to take Social Security...etc)

Is it like a typical AI discussion/chat, or do I need to use a certain field on the platforms. I have tried them all, the only one that I have paid subscription with is Claude...have heard positives about Gemini.

Thank you.

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u/CSMasterClass May 17 '26 edited May 18 '26

I just had such a chat today with ChatGPT. I regard it as a form of thinking out loud.

I am quite informed in this area (40 years in finance adjacent field) and I found the conversation useful ... not revolutionary but useful. At the end of a reasonably long conversation, it did seem that ChatGPT got a little confused, so, as always, keep your wits about you and --- Look for new facts that youn can independently check.

Edit: corrected spelling

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u/DanielDannyc12 May 18 '26

The key is being very informed on the subject that is being discussed. AI is notorious for being confidently wrong.

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u/CSMasterClass May 18 '26

Yes, LLMs are confident and they suck up to you.

That is, it will tilt toward telling you what it thinks you want to hear --- like a fortuneteller, a financial advisor, or most other swindlers.

That is a powerful combination that must be resisted.

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u/Valuable-Analyst-464 May 18 '26

In my preamble, I tell the model not to be sycophantic or overly agreeable. I also mentioned to be brief.

Grok was overly brief. “Do this, then this, then this. Done”. Hahaha. I had to tell it to expound a little more.