ChatGPT can assist with retirement planning by answering questions on topics like when to collect Social Security, estimating medical costs, and choosing which retirement accounts to tap first to minimize taxes, but financial experts warn it should not replace a human advisor. Robert Persichitte, a certified financial planner with Delagify Financial, noted that ChatGPT does not think critically or form new ideas, instead finding and connecting existing ideas, and it lacks discernment, meaning it may copy ideas from sources that offer outdated advice or an incomplete picture. Stephan Shipe, a CFP and founder of Scholar Financial Advising, said ChatGPT can explain retirement strategies and help users understand options, but it cannot anticipate human behavior, emotion, or life’s curveballs. Experts advise reviewing ChatGPT’s cited sources and conducting research as if a stranger recommended investment advice, and suggest taking AI-generated insights to a human financial advisor to build a more personalized retirement plan.