Can ChatGPT replace a cross-border financial advisor? Aditi Kapadia, CFA, CFP® says not yet and explains exactly where AI helps and where it can quietly cost you thousands.

Most people using AI for a cross-border move are getting confident, plausible answers to the wrong questions. In this episode, Aditi Kapadia, a cross-border financial planner serving US-Canada families and one of the most AI-forward advisors in the industry, joins host Arielle Tucker, CFP®, EA to break down how AI is actually changing financial planning, where it's dangerously incomplete, and how to use it well before you ever book a call with an advisor.

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WHAT THIS EPISODE COVERS
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00:00 – Introduction: Aditi Kapadia, CFA, CFP®, founder of WealthIQ
01:08 – From robo-advisors to cross-border planning: Aditi's path into AI-forward advising
03:36 – Why clients now show up with "I asked ChatGPT" already in hand
04:17 – ChatGPT connecting directly to bank accounts: what OpenAI's move into personal finance means
05:10 – How accurate is AI really? From 7/10 to 9/10, and why the question still matters more than the answer
08:29 – Cross-border planning as a series of "ginormous decisions" AI can't prioritize for you
12:32 – Compliance, client data, and why cross-border advisors are moving carefully on AI
16:30 – The hidden cost of DIY: what TurboTax-style shortcuts miss in cross-border tax
17:38 – How to use ChatGPT to prepare for your first meeting with a financial advisor
20:07 – "Is my situation complex enough for cross-border planning?" and how to actually answer that
22:00 – Why the most "optimal" AI answer isn't always the right one for you
26:06 – The one thing AI can't give you: accountability

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ABOUT THE GUEST
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Aditi Kapadia, CFA, CFP® is the founder of WealthIQ, where she serves US-Canada cross-border families. A Canadian living in the US, she previously built a robo-advisory investment product and is known as one of the most AI-forward voices in cross-border financial planning today.

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ABOUT THE HOST
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Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

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ABOUT PASSPORT TO WEALTH™
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Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with education and fiduciary cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad. Our podcast, directory, courses, and newsletter give you the trusted tools and connections to make informed decisions, wherever you live.

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RESOURCES & LINKS
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Subscribe to the newsletter: passporttowealth.com/contact
Pre-order "The Expat Money Playbook": passporttowealth.com/expat-money-playbook
Find a vetted expat financial advisor: passporttowealth.com/directory

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STAY CONNECTED
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Facebook: https://www.facebook.com/connectedfp/
Instagram: https://www.instagram.com/passporttowealthofficial/
LinkedIn: https://www.linkedin.com/company/passport-to-wealth/
Website: https://www.passporttowealth.com/

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SUGGESTED EPISODES
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https://www.youtube.com/watch?v=eHxlYvrSvss
https://www.youtube.com/watch?v=0vxwoBIok7k
https://www.youtube.com/watch?v=4vkgTV49pPE

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This video is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions. Arielle Tucker, CFP® operates as a fiduciary in accordance with applicable professional regulations.
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