Capstone Investments – Sept 2 2026

By Bryce Pease CFP® Accredited Investment Fiduciary® Casey Morris CFP® Capstone Pacific Investment Strategies, Inc. California, Colorado, Nebraska

Maybe you’ve never touched it.  Maybe you merely dabble with it from time to time.  Maybe you use it every day and can hardly imagine life without it.  But regardless of which category you fall under, by now you’ve certainly heard all about it. 

I’m referring, of course, to artificial intelligence (AI). 

Since ChatGPT exploded on the scene in late 2022, AI has been a never-ending topic of conversation.  It dominates online discourse, the halls of government, and even the markets.  (Especially the markets.)  But one sub-topic we are often asked about centers on a single question:

“Can I use AI for financial advice?” 

The answer is, yes.  You can. 

But should you?  Well, that’s a bit more nuanced. 

AI is fast, convenient, and powerful.  But your finances — the combination of all your investments, savings, income, taxes, debt, and the dreams they empower — represent your financial life.  So, as with any tool, we have to be careful about when to use it…and when not to.          

What AI is and what it can be used for?

When people talk about “artificial intelligence,” what they’re really referring to is a Large Language Model, or LLM.  ChatGPT, Claude, Gemini, and other chatbots use LLMs to calculate the statistically most likely next word in a sentence.  It’s sort of like the autocomplete function on your phone when you write a text, except much more powerful. 

It’s important to remember this when interacting with AI, because what you’re seeing is not actual intelligence, but rather extremely sophisticated pattern-matching.  If you ask AI a question, like, “What’s the difference between a 401(k) and an IRA?”, it will scour its database for previously-written material on that subject, determine which words are statistically most likely to answer that question, what order they should go in, and then reproduce those words on the screen for you. 

For that reason, perhaps the best and most reliable way to apply AI to your personal finances is to treat it like a more in-depth, conversational Google search. This is part one of a 4 series article so we’ll talk more on this in article 2 next time.  

Casey and Bryce  

Phone:  626-915-7006  Online: capstonepacificinc.com  Email: info@capstonepacificinc.com

Any mention of a particular security or type of security is not a recommendation to buy or sell that security.