42:I[185,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"SendEmailButton"] 44:I[63625,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"AddToLibraryButton"] 45:I[29721,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"ShareButton"] 46:I[58016,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"ProcessEpisodeButton"] 47:I[45269,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"SignupCTA"] 3a:["$","time",null,{"dateTime":"2026-07-23T17:00:00.000Z","children":"July 23, 2026"}] 3b:["$","span",null,{"aria-hidden":true,"children":"·"}] 3c:["$","span",null,{"children":"00:31:17"}] 43:T508,

AI can crunch a portfolio, harvest losses, and explain an investment concept in seconds. But can it stop a nervous investor from selling at exactly the wrong moment—or understand the life behind the spreadsheet?

Tom and Don test the robot-advisor promise, even asking ChatGPT to weigh in. The verdict is a useful division of labor: let technology handle repeatable mechanics, while human judgment, fiduciary responsibility, and behavior coaching remain hard to automate.

Then the questions get wonderfully strange: whether a 0.70% advisory fee earns its keep, how a concentrated tech fund hides risk behind a huge return, whether a $100 million Bitcoin Roth story adds up, and how to invest an inherited account.

00:00 Are AI advisors coming for financial planners?
03:06 ChatGPT offers its own cautious verdict
04:14 Where automation helps—and where humans matter
09:36 What investors should ask their advisory firms
12:10 Is a 0.70% advisor fee earning its keep?
16:50 The concentrated tech fund with a dazzling record
21:12 A purported $100 million Bitcoin Roth
25:22 Building an inherited-account portfolio

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