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I heard a presenter the other day say something that stopped me in my tracks: “AI won’t replace advisors, it will expose the unclear ones.” Whoa. Say it louder for the people in the back. There’s a lot of discussion right now about how AI will affect the financial advice industry. Some advisors are excited. Some are skeptical. Some are quietly hoping it will not matter. The most common reaction I hear is something like this: “AI can’t replace what we do. Advice is relational.

I recently posted on LinkedIn that AUM-only models will be functionally dead within a decade, and it got a strong reaction from advisors. That did not surprise me. Whenever you challenge the default pricing structure in this industry, people get defensive fast. Not because they are stupid. Not because they are unethical. But because AUM has been the dominant model for so long that many advisors have built their identity, profitability, and client experience around it. If you