New Delhi, Jan. 23 -- Can AI prepare a financial plan for you? Technically, yes.

Feed your financial details into a tool like ChatGPT and the algorithm can generate a seemingly neat, actionable plan in seconds. It can calculate how much money you need for specific goals, suggest asset allocation, map investments, and even flag gaps in insurance or emergency cover.

But personal finance is, after all, personal. The apparent efficiency of AI masks a shallow, cookie-cutter approach. The real essence of financial planning lies far beyond numbers-and this is where a human adviser plays an irreplaceable role.

A financial plan on paper is only the starting point of a much longer journey. Many people suffer from action paralysis: they have a pl...