On this week's episode of The Liquidity Event, AJ and Shane unpack what's happening at the intersection of AI, financial advice, and investor behavior.

Shane joins from the T3 technology conference in New Orleans, where artificial intelligence dominated nearly every conversation. They explore how AI tools are being integrated into advisory firms, whether real-time financial planning during client meetings is closer than we think, and react to a bold claim from a venture-backed RIA that advisors may eventually be replaced by AI.

The conversation then shifts to a Wall Street Journal report on rising 401(k) hardship withdrawals. AJ and Shane discuss what the data actually shows, how automatic enrollment has changed participation rates, and whether easier access to retirement funds is a positive development or a long-term risk.

They also break down Kraken's proposal to tokenize publicly traded stocks and enable 24/7 trading, debating whether constant market access improves liquidity or amplifies behavioral mistakes.

The episode wraps with a listener-inspired question on protecting net worth from lawsuits and market losses, including what umbrella insurance can realistically accomplish and where its limits lie.

As always, the discussion blends industry insight with practical takeaways for navigating an increasingly complex financial landscape.

Key Timestamps:

01:08 – Shane reports live from the T3 technology conference 03:12 – AI University and what advisors are actually building 06:40 – The future of real-time financial planning with AI 10:18 – Range says AI will replace advisors… should we believe it? 14:02 – Why humans are still the "hardware" in financial advice 17:36 – Record 401(k) hardship withdrawals and what's really happening 20:44 – Are hardship withdrawals actually good for 401(k) adoption? 23:18 – Kraken wants to tokenize stocks and trade 24/7 26:05 – Is 24/7 stock trading a feature or a bug? 28:42 – Reddit: How do you protect your net worth from lawsuits?

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