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[quote=Anonymous]OP here.  Just to be clear, I am not using AI to guide investments, as at least one PP seems to think.

This is about withdrawals to minimize taxes in retirement.  I know from past experience that, to get as far I've gotten, I would have had to meet with a planner multiple times.  And the ones I've worked with will decide to throw in jargon and act like it's all so complicated as a way of getting me to stop asking questions.

I don't think AI is making errors in how it's prioritizing draws from our various accounts, how much, at what points.  Because it shares the reasoning and tax code, which is easily verifiable.

We used a TIAA advisor once.  He simply didn't take into account things like the different start time for RMDS (because of big difference in my spouse's age and mine), the different times we're planning to stop working, the different ages we're going to take social security, the fact that we're going to be able to recast our mortgage with an expected influx of money in a year.  He advised Roth conversions while we were still in a high income bracket, and didn't (as Chatgbt) advise mega backdoor Roth conversions.

I know that he was just lazy.  But we've talked to two more of them.  Same thing.  They plug the data in, hand us what's spitted out.  I can do that myself, and just did.  In a nuanced way that respects all the ways our plan will need to evolve over time. [/quote]

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