AI won't replace your adviser. But it will replace your admin.

I love this stuff. I always have. Give me a fiddly, repetitive process and a new tool that might kill it, and I'm happy for the afternoon. So when people ask whether AI worries me, the honest answer is no. It excites me. But only when it's pointed at the right target.

The boring parts are the point

Most of what slows a good adviser down has nothing to do with advice. It's chasing paperwork, re-keying the same details into three systems, formatting documents, remembering who needs what by when. That's the work AI should be eating. Every hour it saves there is an hour handed back to the client.

• Summarising and organising, not deciding.
• Drafting a first pass, never the final word.
• Flagging what a human should look at, then getting out of the way.

Where it doesn't belong

Estate planning runs on trust. People tell you things they haven't told anyone. They're making decisions about the people they love most. You cannot outsource that to a model, and you shouldn't want to.

I use AI to speed up the boring parts. It never replaces proper advice.

So the rule I hold to is simple. If a task is about judgement, empathy or responsibility, it stays with a person. If it's about time, typing or tidying, it's fair game. Get that line right and technology makes you more human at work, not less. Get it wrong and you've automated the one thing clients actually came to you for.