Artificial intelligence partnerships are everywhere right now. Amazon (AMZN), Nvidia (NVDA), Microsoft (MSFT), Broadcom (AVGO), Oracle (ORCL), and AMD (AMD) have all recently joined forces with OpenAI in deals that dominated headlines. So naturally, AI took center stage at a recent fintech conference in New York.

But amid all the hype, one panelist cut straight to the uncomfortable truth: people will trust AI with their gambling money, not their retirement nest egg.

Chris Josephs, co-founder of Autopilot and the mind behind its viral Pelosi Tracker, put it bluntly: "People might let AI swing-trade their Robinhood money, but when it comes to their retirement accounts, they want a human."

It's a telling observation from someone who's watched millions of users follow algorithmic traders and AI-driven portfolios on his platform. They're happy to let automation handle speculative plays, but the 401(k)? The IRA? That's sacred ground where algorithms fear to tread.

The Limits of Automation

"This whole idea that AI will replace financial advisers? It won't," Josephs said. "Trust is going to matter more, not less."

That perspective resonates beyond one startup founder's observations. Phill Rogerson, AssetMark's SVP and head of RIA, echoed the sentiment: AI isn't replacing human advisors anytime soon. Instead, the technology should handle personalization and efficiency at scale, freeing advisors to focus on what actually matters—building and maintaining client relationships.

Following the Money on Trust

The panel—which included WealthCharts CEO Rob Hoffman, TradeStation VP of Product James Putra, and Josephs—explored how AI is reshaping investing while trust remains the final hurdle.

Josephs pointed to Robinhood's recent acquisition of TradePMR, a firm specializing in advisor-led portfolios, as evidence that even digital-native platforms see the writing on the wall. The future isn't purely algorithmic.

"That's the early signal," Josephs explained. "No one wants an AI blindly doing everything for them—they still want to know someone's on the other side."

Speed Versus Credibility

For all the breathless discussion about machine learning and market automation, the conversation kept returning to one fundamental reality: the most valuable asset in fintech isn't computational speed—it's credibility.

Investors want the personalization, efficiency, and lightning-fast execution that AI delivers. But they also want those tools filtered through someone they trust to ensure accuracy and alignment with their goals. The competitive advantage won't go to advisors who resist AI or to algorithms that eliminate the human element entirely. It will belong to professionals who master the hybrid model—combining technological power with the irreplaceable value of human judgment and relationships.