5 AI Prompts That Replace A $200/hr Financial Advisor

You are a Social Security claiming-strategy analyst with no commission interest. Run my situation honestly. Tell me when I should claim, with reasoning.

My situation:
- My age now: [AGE]
- Earliest age I could claim (62): [YES, I QUALIFY / OTHER]
- My estimated monthly benefit at full retirement age (from ssa.gov): $[AMOUNT]
- My estimated monthly benefit at age 70 (delayed retirement credits): $[AMOUNT]
- Marital status: [MARRIED / SINGLE / WIDOWED / DIVORCED]
- If married: spouse's age, their estimated benefit, whether they've claimed: [DETAILS]
- If widowed: my survivor benefit eligibility (if known): [DETAILS]
- My total retirement savings: $[AMOUNT]
- My current annual spending: $[AMOUNT]
- Other income (pension, rental, part-time): $[AMOUNT/YEAR]
- My honest health status and family longevity (parents lived to: [AGES]): [SUMMARY]
- My current employment status: [WORKING / RETIRED / PART-TIME]
- If working, my annual income: $[AMOUNT] — relevant because SS has an earnings test before FRA

Walk me through:

1. The breakeven analysis: at what age do total cumulative benefits cross over between claiming at 62 vs at FRA vs at 70?
2. How my health and family longevity change that math (people who claim early bet they'll die earlier; people who delay bet they'll live longer)
3. The interaction with my spouse's claiming strategy (claiming the smaller benefit first is sometimes optimal)
4. The TAX angle: at what income levels does SS become taxable, and does claiming at a specific age optimize my taxable-income profile in early retirement
5. The "what if I claim and invest" scenario: if I claim at 62 and invest the benefits, what return would I need to match the value of waiting?
6. The single biggest factor in MY decision (not generic) and the recommended claiming age for someone with my exact profile

End with: a one-paragraph plain-English recommendation I could explain to a spouse in 60 seconds.

Don't hedge. I'd rather have a specific recommendation I push back on than five options I have to choose between blindly.

You are a fee-only fiduciary advisor with no horse in this race. Audit my current advisor relationship honestly.

My situation:
- How my advisor is paid: [COMMISSION / AUM % FEE / FLAT FEE / HOURLY / HYBRID]
- Annual cost (% or $ if I know): [DETAILS]
- Type of firm: [WIREHOUSE / INDEPENDENT BROKER-DEALER / RIA / BANK / INSURANCE-AFFILIATED]
- Are they a fiduciary? (Have they signed a written fiduciary oath?): [YES / NO / UNCLEAR]
- My account balance under their management: $[AMOUNT]
- Investments they've put me in (rough categories): [STOCKS, BONDS, ANNUITIES, MUTUAL FUNDS, ETFs, INSURANCE, ETC.]
- Any annuities, whole life, variable products: [LIST]
- Their typical recommendations to me: [DESCRIBE THE PATTERN]
- How often they contact me: [FREQUENCY]
- My current financial goals: [E.G. "preserve capital, generate income in retirement"]
- My age and retirement timeline: [AGE / YEARS TO RETIREMENT]
- Any red flags I've noticed: [LIST or "I'm not sure what to look for"]

Tell me:

1. Whether their fee structure creates incentives aligned with my goals or against them. Be specific about the conflicts of interest baked into how they're paid.

2. Whether the investments they've recommended are appropriate for my age/goals, or whether the pattern suggests they're optimizing for THEIR commissions/fees instead of MY returns.

3. The hidden costs I should look for: 12b-1 fees, expense ratios on mutual funds, surrender charges on annuities, "wrap" fees on top of fund expense ratios.

4. The 5 questions I should ask them at the next meeting that will surface whether they're operating as a fiduciary or as a salesperson.

5. If I should switch — and if so, what type of advisor model (fee-only RIA, NAPFA member, Garrett Planning Network, robo + flat-fee CFP, no advisor) best matches my situation.

6. The "exit math": if I switch advisors, what surrender charges, capital gains, or other costs would I incur, and over what timeframe does switching pay off?

Be direct. Polite isn't useful here.

You are a tax CPA who specializes in finding overlooked deductions for adults 50+. Walk me through what I might be missing.

My situation:
- Tax filing year: [YEAR]
- Filing status: [SINGLE / MFJ / HOH / etc.]
- State (US): [STATE]
- Age: [AGE — relevant for catch-up contributions, age 65+ extra standard deduction, etc.]
- Self-employed or W-2: [TYPE — and if both, %]
- Approximate AGI: $[AMOUNT]
- Do I itemize or take standard deduction? [ITEMIZE / STANDARD / NOT SURE]
- Major life events this year: [HOME SALE, JOB CHANGE, INHERITANCE, MEDICAL EXPENSES, STARTED BUSINESS, RETIRED, DIVORCE, etc.]
- Major expenses: [HEALTH CARE, EDUCATION, CHARITABLE, HOME ENERGY, MORTGAGE INTEREST, STATE/LOCAL TAXES, CHILD/DEPENDENT CARE]
- Investment activity: [SOLD STOCKS, REBALANCED, ROTH CONVERSION, RMDs, etc.]
- Retirement accounts: [401K, ROTH IRA, TRADITIONAL IRA, HSA, SEP/SOLO 401K if self-employed]
- Things I might forget to mention to my CPA: [LIST anything unusual]

Walk me through:

1. Every category of deduction or credit I might be eligible for, with rough dollar potential
2. The 50+ specific items (catch-up contributions to retirement accounts, age-related extra standard deduction at 65, increased medical-expense thresholds, etc.)
3. The home-related items most people miss: home energy credits (heat pumps, insulation, solar), home office (if eligible), property tax deductions, mortgage points
4. The state-specific items: my state may have property-tax circuit breakers, senior exemptions, or other items the federal return doesn't surface
5. The "above-the-line" deductions that work even if I take the standard deduction (HSA contributions, IRA contributions, student loan interest, self-employment expenses, etc.)
6. The tax-strategy moves still possible before year-end (if it's still tax year [YEAR]) — Roth conversions, charitable bunching, harvest losses, max retirement contributions
7. The 3 records / receipts I should pull together NOW before tax time

End with: a checklist I bring to my CPA appointment.