Half of Americans now go to AI for financial advice. Is it any good?
In a remarkably short span, artificial intelligence has moved from the fringe of financial planning to center stage. One recent survey, from TD Bank, found that the share of Americans using AI to help manage their finances jumped from 10% in 2025 to 55% in 2026.
If that’s true, then AI has become a more popular financial adviser than actual financial advisers. Only about two-fifths of Americans consult financial professionals for advice, according to a 2025 Gallup poll.
With half the nation posing financial questions to AI, trillions of dollars in savings and investments could ride on the answers. Everyone says AI is getting smarter, but chatbots have been known to “hallucinate,” even to make stuff up.
“There’s something dangerous about just trusting whatever the computer has to say about something,” said Luke Delorme, a certified financial planner in Great Barrington, Massachusetts, who has written about AI.
