Artificial intelligence has just cleared another milestone. An AI system called Aida sat the Chartered Insurance Institute’s Diploma in Financial Advice—and outperformed human advisers on average across all six exams.
For the advice industry, this is a shockwave. For the public, it’s a wake-up call.
The message is clear: machines are learning financial advice faster than human advisers can.
What does this mean for you?
Let’s be honest: only 9% of the UK population can afford paid financial advice. That leaves 90% of households priced out of expert guidance on pensions, savings, and protection. For too long, this advice gap has left people navigating life’s financial challenges alone—or worse, at the mercy of online sales pitches dressed up as “guidance.”
AI changes the game.
- It can master technical exams at speed.
- It can scale cheaply, serving millions at once.
- It can bring basic, reliable financial literacy within everyone’s reach.
- It can provide unbiased advice without conflict of interest.
But here’s the catch
An algorithm can crunch numbers, but it cannot hold your hand in a bereavement, celebrate with you in retirement, or help you reimagine your life goals after redundancy. That’s where humans matter—empathy, trust, compassion, creativity.
The real revolution isn’t about AI replacing humans. It’s about using AI to liberate humans—freeing advisers and individuals from technical drudgery so they can focus on what really matters: living well.
And, of course, LIFE PLANNING.
Why Planning My Life exists
At Planning My Life, we’ve been preparing for this moment for over a decade.
- We built a platform where anyone can access planning tools for free—without sales, without product-pushing, without gatekeepers.
- We blend AI intelligence with human wisdom, so you get structure and clarity without losing humanity.
- We exist for the underserved 91%, not just the wealthy 9%.
If AI advisers can now outscore humans in professional exams, then the excuse that “real planning is only for the rich” has evaporated. Everyone deserves access—and that’s exactly what Planning My Life provides.
The takeaway
The robots are learning faster than advisers can. But that’s not something to fear—it’s something to celebrate. Because it means we can finally close the advice gap and put empowerment, not exploitation, at the heart of financial planning.
At Planning My Life, you don’t have to wait for the future. The tools are here, today, free for all.
Academy of Life Planning 