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retirement?","image":{"@type":"ImageObject","height":450,"url":"https://static.ffx.io/images/$zoom_0.2606%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_286%2C$y_0/t_crop_custom/q_86%2Cf_auto/64e95f9bf845feb422338e8b007646a398640c2a","width":800},"keywords":"","mainEntityOfPage":{"@id":"https://www.theage.com.au/money/super-and-retirement/robot-versus-human-how-will-you-plan-for-retirement-20241028-p5km0i.html","@type":"WebPage"},"publisher":{"@type":"Organization","logo":{"@type":"ImageObject","height":"628","url":"https://www.theage.com.au/theage.png","width":"1200"},"name":"The Age"},"isAccessibleForFree":false,"hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".paywall"},"isPartOf":{"@type":["CreativeWork","Product"],"name":"The Age","productID":"theage.com.au:webonly"}}</script><title data-rh="true">AI, robo financial advice in planning for 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type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.theage.com.au/money","name":"Money"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.theage.com.au/money/super-and-retirement","name":"Super & retirement"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.theage.com.au/topic/financial-planners-5x9","name":"Financial planners"}}]}</script></div><h1 data-testid="headline" itemProp="headline">Robot versus human: How will you plan for retirement?</h1></div></div></header><section class="_3OhA4"><div class="_2h56q _2bGxr"><div class="_3J1te"><h5 class="_3-xPQ"><span class="_3pGt1">By </span><span><span data-testid="byline"><a href="/by/hannah-hammoud-p537jx" title="Articles by Hannah Hammoud">Hannah Hammoud</a></span></span></h5><div class=""> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-11-15T00:15:00+11:00">November 15, 2024 — 12.15am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://theage.myfairfax.com.au/channel/4vLxp6nBuWVKEPLaQuUKwA/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.theage.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div><div><div aria-hidden="true" class="_1lwFz WUf_a _1pHo1" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="_2YSi8 _17BTN _3_hLE" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="_2Cn91"><div class="_2KkCz"><button class="_30X7v _2-NUy" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="_3Rq_0" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>More than 2 million Australians are expected to retire within the next decade. For the vast majority of them, the first piece of advice they will receive on what to do with their money is likely to come from an AI savvy robot – not a suit-wearing human.</p><p>One person steering the future of AI in financial planning is Tim Hall, founder of PrimeSolve – which provides software that uses AI to create financial plans. </p><p>The financial plans created by PrimeSolve involve a personalised video where human advisers can create an avatar of themselves to walk their client through their plan.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.138%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9, https://static.ffx.io/images/$zoom_0.138%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.138%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9, https://static.ffx.io/images/$zoom_0.138%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9 2x" height="512" width="768"/><img alt="PrimeSolve founder Tim Hall said his AI software is just as capable as a human. " src="https://static.ffx.io/images/$zoom_0.138%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.138%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9, https://static.ffx.io/images/$zoom_0.138%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/35c91a554154826260d63fc2f6f35e9bbe40dec9 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">PrimeSolve founder Tim Hall said his AI software is just as capable as a human. </span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Simon Schluter</cite></p></figcaption></figure><p>Soon, Hall hopes to develop the avatar so it can answer questions from clients. Beyond this, he is working on creating a platform where everyday Australians can engage with an AI avatar who will act as their personal financial adviser, all of which will operate under an Australian Financial Services Licence.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Hall said he hopes the software’s coming developments will help to capture a large portion of the market, given 80 per cent of Australians go without financial advice.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>“We think there’s the ability to give a lot more Australians access to advice, and AI’s really opened the door for that,” he said.</p><p>The number of financial advisers in Australia has been <a href="/link/follow-20170101-p5dq84">declining in recent years</a>, with many retiring after the banking royal commission in 2018. The inquiry revealed widespread allegations of misconduct and inappropriate advice within the sector.</p><p>Since then, the financial sector has struggled to shake off what became a major deficit in trust. It seems unlikely that robo- or AI-advice will completely restore that trust. Even so, consumers these days are putting more emphasis on the reliability of the advice – as well as its cost.</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos3-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>In terms of capability, Hall said AI software can do “absolutely everything” that an ordinary human adviser could do: make decisions, compare alternatives and discuss options.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>Despite its ability to operate as an adviser-free solution, AI would work in tandem with a human financial adviser, Hall says. After all, money is tied to emotions, and a world where financial advice is driven solely by AI seems far-fetched.</p><p>The Australian Securities and Investments Commission (ASIC) envisages a future involving a partnership between humans and AI in the advice process – an outlook Hall agrees with.</p><p>A report published by ASIC in October, titled <em>Beware the gap: Governance arrangements in the face of AI innovation</em>, analysed 624 AI use cases that 23 licensees in the banking, credit, insurance and financial advice sectors were using, or developing, in December 2023.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>The report found that licensees were operating cautiously – with AI generally augmenting rather than replacing human decision-making. But while it identified limited direct interaction between AI and consumers, it also revealed significant gaps in how they manage AI-related risks, particularly those unique to the technology, such as algorithmic bias. This can occur when AI models develop skewed patterns or preferences during their creation, which can lead to unfair or incorrect decision-making.</p><p>So what exactly do humans bring to the table when it comes to financial advice?</p><p>Mathew Cassidy, managing director of Partners Wealth Group (PWG), a traditional wealth management business, acknowledged that while AI has a role to play in financial advice, retirement planning still demands a human touch that technology simply cannot replicate.</p><p>Cassidy said AI could potentially be the solution to providing clients with more time in front of their financial adviser.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.196%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163, https://static.ffx.io/images/$zoom_0.196%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.196%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163, https://static.ffx.io/images/$zoom_0.196%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163 2x" height="512" width="768"/><img alt="Artificial intelligence could act as an aid to traditional financial advisers. " loading="lazy" src="https://static.ffx.io/images/$zoom_0.196%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.196%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163, https://static.ffx.io/images/$zoom_0.196%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/2083ce162ad49d839e3649cdbb0a59790954a163 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Artificial intelligence could act as an aid to traditional financial advisers. </span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Getty Images/iStockphoto</cite></p></figcaption></figure></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>“We’re strongly of the view that people crave a personal touch towards their wealth affairs because wealth is not black or white … it’s not uniform, it’s really bespoke,” he said.</p><p>“We think that AI will enable us to streamline and automate certain components of what we do, which would actually improve efficiency and delivery of advice, but it won’t replace or replicate the human side.”</p><p>While PWG provides advice to more than 3000 Australian households with high net wealth, Cassidy said the ability for AI to offer affordable advice to those who may not sit within that wealth bracket should be considered a positive.</p><p>“I don’t think it’s a threat. We think that the integration of a robo type-led model is an important part, that’s probably missing, to increase [financial] education. But once people get a certain degree of wealth or have a really material decision to make, they want to seek some human interaction with experienced people who have been through that before,” he said.</p><p>“If you have an ailment, well, you can go onto Google and try to navigate what’s actually going on. But do you want to risk your health or your financial health to the internet? Or do you actually want to go and see someone who’s done it before, can read into you what’s important, and make sure you get through in good financial health?”</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><figure class="_3ujPS _1ilMH VXpYY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.13%2C$multiply_0.6799%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_86%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952, https://static.ffx.io/images/$zoom_0.13%2C$multiply_1.3598%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_62%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952 2x" height="386" width="257"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.13%2C$multiply_0.7963%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_86%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952, https://static.ffx.io/images/$zoom_0.13%2C$multiply_1.5926%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_62%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952 2x" height="452" width="301"/><img alt="Allens lawyer and financial advice system reviewer Michelle Levy." loading="lazy" src="https://static.ffx.io/images/$zoom_0.13%2C$multiply_0.7487%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_86%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952" height="425" width="283" srcSet="https://static.ffx.io/images/$zoom_0.13%2C$multiply_0.7487%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_86%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952, https://static.ffx.io/images/$zoom_0.13%2C$multiply_1.4974%2C$ratio_0.666667%2C$width_378%2C$x_0%2C$y_4/t_crop_custom/q_62%2Cf_auto/70003925891782b0cdc2120cfd1b71ef8ba6b952 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Allens lawyer and financial advice system reviewer Michelle Levy.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Peter Rae</cite></p></figcaption></figure><p>The cost of seeing a financial adviser is, on average, about $3500 a year, according to Adviser Ratings. This figure includes the cost of both limited advice and comprehensive ongoing advice. For comprehensive ongoing advice only, the cost is closer to about $5000 a year on average.</p><p>While AI can help reduce the cost barrier to financial advice, particularly for those with smaller financial portfolios, the choice may become a trade-off between no advice at all or advice provided by AI.</p><p>In 2022, lawyer Michelle Levy led the federal government’s Quality of Advice Review, which looked at improving the accessibility and affordability of quality financial advice for Australians.</p><p>Levy said AI or robo-advice should not be viewed as an inferior option, and consumers should instead exercise the same degree of caution as they would with a traditional human adviser.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>“It’s exactly the same as when you go to see a [human] financial adviser: Does this sound sensible? Does this sound reasonable? Is this too good to be true? You’re not going to get rich by getting financial advice,” she said.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>“Human advisers are capable of being influenced by a whole range of things which will compromise the quality of their advice. I don’t think we should assume that human-provided advice is always going to be better than robo advice that’s entirely generated by AI.</p><p>“I think financial advisers can be great, I’m not at all suggesting that there is no room for them. I just think that we can overstate how good they are compared with the risks of digital advice.”</p><p>Levy said one of the most important factors to consider when engaging with a human, or robo-adviser, is to measure what the risks are if something were to go wrong.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>“What happens if the advice is wrong? Who is standing behind it? If I’m dealing with a large institution, I could usually be reasonably confident that if the advice is negligent, I’ll get compensated,” she said.</p><p>“If I’m dealing with somebody offshore, who I’ve never heard of, then it’s also a fair bet that you have no recourse. Part of getting advice is education; the better informed you are, the more able you are to then assess the quality of advice. So be cautious, no matter what.”</p><p><b><i>The Business Briefing newsletter delivers major stories, exclusive coverage and expert opinion.</i></b><a href="https://www.smh.com.au/link/follow-20170101-p56j4t"> <b><i>Sign up to get it every weekday morning</i></b></a><b><i>.</i></b></p></div></div><div class="noPrint"><div></div><div></div></div><div id="embedded-feedback"></div><div class="_22FRK _2spQv"><section class="aKWhn noPrint" id="endOfArticle"><div class="dLGbc"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" 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& retirement\"],\"categoryId\":38,\"asset\":{\"about\":\"Millions of Australians will soon have to make the choice between a robot or a human to help guide them through retirement.\",\"allowComments\":true,\"body\":\"<p>More than 2 million Australians are expected to retire within the next decade. For the vast majority of them, the first piece of advice they will receive on what to do with their money is likely to come from an AI savvy robot \\u2013 not a suit-wearing human.</p><p>One person steering the future of AI in financial planning is Tim Hall, founder of PrimeSolve \\u2013 which provides software that uses AI to create financial plans. </p><p>The financial plans created by PrimeSolve involve a personalised video where human advisers can create an avatar of themselves to walk their client through their plan.</p><x-placeholder id=\\\"98ca76ffbfbdca4d06fef4eec40133660d6f9e6b\\\"></x-placeholder><p>Soon, Hall hopes to develop the avatar so it can answer questions from clients. Beyond this, he is working on creating a platform where everyday Australians can engage with an AI avatar who will act as their personal financial adviser, all of which will operate under an Australian Financial Services Licence.</p><p>Hall said he hopes the software\\u2019s coming developments will help to capture a large portion of the market, given 80 per cent of Australians go without financial advice.</p><x-placeholder id=\\\"fe070f0f2755f48543cbe0daece20227f343351c\\\"></x-placeholder><p>\\u201CWe think there\\u2019s the ability to give a lot more Australians access to advice, and AI\\u2019s really opened the door for that,\\u201D he said.</p><p>The number of financial advisers in Australia has been <x-placeholder id=\\\"f062b27ac5bce766c411b6175de666a927ae7242\\\"></x-placeholder>, with many retiring after the banking royal commission in 2018. The inquiry revealed widespread allegations of misconduct and inappropriate advice within the sector.</p><p>Since then, the financial sector has struggled to shake off what became a major deficit in trust. It seems unlikely that robo- or AI-advice will completely restore that trust. Even so, consumers these days are putting more emphasis on the reliability of the advice \\u2013 as well as its cost.</p><p>In terms of capability, Hall said AI software can do \\u201Cabsolutely everything\\u201D that an ordinary human adviser could do: make decisions, compare alternatives and discuss options.</p><x-placeholder id=\\\"4d3e2fd32f9f5d3f6248d47a51fc2f3b1fa97319\\\"></x-placeholder><p>Despite its ability to operate as an adviser-free solution, AI would work in tandem with a human financial adviser, Hall says. After all, money is tied to emotions, and a world where financial advice is driven solely by AI seems far-fetched.</p><p>The Australian Securities and Investments Commission (ASIC) envisages a future involving a partnership between humans and AI in the advice process \\u2013 an outlook Hall agrees with.</p><p>A report published by ASIC in October, titled <em>Beware the gap: Governance arrangements in the face of AI innovation</em>, analysed 624 AI use cases that 23 licensees in the banking, credit, insurance and financial advice sectors were using, or developing, in December 2023.</p><p>The report found that licensees were operating cautiously \\u2013 with AI generally augmenting rather than replacing human decision-making. But while it identified limited direct interaction between AI and consumers, it also revealed significant gaps in how they manage AI-related risks, particularly those unique to the technology, such as algorithmic bias. This can occur when AI models develop skewed patterns or preferences during their creation, which can lead to unfair or incorrect decision-making.</p><p>So what exactly do humans bring to the table when it comes to financial advice?</p><p>Mathew Cassidy, managing director of Partners Wealth Group (PWG), a traditional wealth management business, acknowledged that while AI has a role to play in financial advice, retirement planning still demands a human touch that technology simply cannot replicate.</p><p>Cassidy said AI could potentially be the solution to providing clients with more time in front of their financial adviser.</p><x-placeholder id=\\\"1b698addc188688172fdfcd4a0ae086d715e3bf3\\\"></x-placeholder><p>\\u201CWe\\u2019re strongly of the view that people crave a personal touch towards their wealth affairs because wealth is not black or white \\u2026 it\\u2019s not uniform, it\\u2019s really bespoke,\\u201D he said.</p><p>\\u201CWe think that AI will enable us to streamline and automate certain components of what we do, which would actually improve efficiency and delivery of advice, but it won\\u2019t replace or replicate the human side.\\u201D</p><p>While PWG provides advice to more than 3000 Australian households with high net wealth, Cassidy said the ability for AI to offer affordable advice to those who may not sit within that wealth bracket should be considered a positive.</p><p>\\u201CI don\\u2019t think it\\u2019s a threat. We think that the integration of a robo type-led model is an important part, that\\u2019s probably missing, to increase [financial] education. But once people get a certain degree of wealth or have a really material decision to make, they want to seek some human interaction with experienced people who have been through that before,\\u201D he said.</p><p>\\u201CIf you have an ailment, well, you can go onto Google and try to navigate what\\u2019s actually going on. But do you want to risk your health or your financial health to the internet? Or do you actually want to go and see someone who\\u2019s done it before, can read into you what\\u2019s important, and make sure you get through in good financial health?\\u201D</p><x-placeholder id=\\\"4d28ca07c794d252f832a4df3c17b930e08dbdbd\\\"></x-placeholder><p>The cost of seeing a financial adviser is, on average, about $3500 a year, according to Adviser Ratings. This figure includes the cost of both limited advice and comprehensive ongoing advice. For comprehensive ongoing advice only, the cost is closer to about $5000 a year on average.</p><p>While AI can help reduce the cost barrier to financial advice, particularly for those with smaller financial portfolios, the choice may become a trade-off between no advice at all or advice provided by AI.</p><p>In 2022, lawyer Michelle Levy led the federal government\\u2019s Quality of Advice Review, which looked at improving the accessibility and affordability of quality financial advice for Australians.</p><p>Levy said AI or robo-advice should not be viewed as an inferior option, and consumers should instead exercise the same degree of caution as they would with a traditional human adviser.</p><p>\\u201CIt\\u2019s exactly the same as when you go to see a [human] financial adviser: Does this sound sensible? Does this sound reasonable? Is this too good to be true? You\\u2019re not going to get rich by getting financial advice,\\u201D she said.</p><x-placeholder id=\\\"5703717d0b38d6579228f5cc2a56ed57606fa01e\\\"></x-placeholder><p>\\u201CHuman advisers are capable of being influenced by a whole range of things which will compromise the quality of their advice. I don\\u2019t think we should assume that human-provided advice is always going to be better than robo advice that\\u2019s entirely generated by AI.</p><p>\\u201CI think financial advisers can be great, I\\u2019m not at all suggesting that there is no room for them. I just think that we can overstate how good they are compared with the risks of digital advice.\\u201D</p><p>Levy said one of the most important factors to consider when engaging with a human, or robo-adviser, is to measure what the risks are if something were to go wrong.</p><p>\\u201CWhat happens if the advice is wrong? Who is standing behind it? If I\\u2019m dealing with a large institution, I could usually be reasonably confident that if the advice is negligent, I\\u2019ll get compensated,\\u201D she said.</p><p>\\u201CIf I\\u2019m dealing with somebody offshore, who I\\u2019ve never heard of, then it\\u2019s also a fair bet that you have no recourse. Part of getting advice is education; the better informed you are, the more able you are to then assess the quality of advice. So be cautious, no matter what.\\u201D</p><p><b><i>The Business Briefing newsletter delivers major stories, exclusive coverage and expert opinion.</i></b><x-placeholder id=\\\"54926a3bde26cbadea5132561e380761c38c9b06\\\"></x-placeholder><b><i>.</i></b></p>\",\"bodyPlaceholders\":{\"1b698addc188688172fdfcd4a0ae086d715e3bf3\":{\"data\":{\"altText\":\"\",\"animated\":false,\"aspect\":1.5,\"autoCrop\":false,\"caption\":\"Artificial intelligence could act as an aid to traditional financial advisers. \",\"credit\":\"Getty Images/iStockphoto\",\"cropWidth\":756,\"fileName\":\"2083ce162ad49d839e3649cdbb0a59790954a163\",\"id\":\"2083ce162ad49d839e3649cdbb0a59790954a163\",\"mimeType\":\"image/jpeg\",\"offsetX\":0,\"offsetY\":0,\"originalHeight\":null,\"originalWidth\":null,\"source\":\"Istock\",\"zoom\":0.196},\"type\":\"image\"},\"4d28ca07c794d252f832a4df3c17b930e08dbdbd\":{\"data\":{\"altText\":\"\",\"aspect\":0.666667,\"autoCrop\":false,\"caption\":\"Allens lawyer and financial advice system 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