In a world where technology advances so rapidly, the role of the professional advisor is evolving too. Canadian financial advisor Serge Robichaud is among those adapting to the digital shift in personal finance. Based in Moncton, New Brunswick, this Canadian financial advisor has built a solid reputation for personalized service, and now he is actively embracing AI in personal finance and the use of AI financial tools to support his clients.
The Growing Importance of Financial Advisors
Why Financial Guidance Matters
When faced with complex decisions—from investing and retirement planning to insurance and estate management—engaging a professional like Serge Robichaud, financial advisor, can help. In Canada, the personal-finance landscape tends to include many moving parts: taxes, regulations, housing costs, pensions, and more. A qualified Canadian financial advisor can provide perspective.
Benefits of Working with a Professional Advisor
Working with an advisor such as Serge Robichaud or similar, clients tend to gain several advantages:
- Access to tailored financial planning, Canada-style, rather than generic online tools.
- A human partner to interpret emotional, behavioral, or life-event issues that automated systems may overlook.
- The ability to incorporate both traditional advice and newer digital solutions—such as AI financial tools—under the guidance of a professional.
- Greater accountability and ongoing review—something that purely digital systems may not provide.
Serge Robichaud: Experience and Expertise in Financial Planning
Serge Robichaud has been working in finance for more than ten years. He uses both conventional knowledge and current techniques, like AI, in order to give each customer unique, useful advice that fits their needs.
About Serge Robichaud – Canada Life & Quadrus Investments
Serge Robichaud currently works as a financial advisor at Canada Life & Quadrus Investments and has more than a decade of experience in financial planning and banking, including managing over 600 client accounts during his time at Scotiabank. He holds his Life License Qualification and has taken Chartered Financial Analyst (CFA) examinations and completed various Canadian Securities Institute certifications.
How He Helps Clients Achieve Financial Goals
Serge Robichaud, a financial advisor, emphasizes a holistic, client-centered approach. He describes beginning by learning about family situations, vacations, charitable contributions, and estates before building a tailored financial plan. For the Canadian market, that means addressing issues from RRSPs, TFSAs, budgets, investments, and insurance, and now increasingly AI in personal finance.
Serge Robichaud’s Perspective on AI in Personal Finance
Robichaud thinks that AI is a strong tool that can help with financial planning by helping to evaluate data and find opportunities. However, human judgment is what keeps plans individualized and in line with clients’ goals.
How AI Is Changing the Financial Landscape
AI financial tools are no longer futuristic. In Canada, roughly 33% of Canadians report using AI to help manage their finances—including household budgeting, investment strategy identification, and creating or updating financial plans. Meanwhile, business-survey data shows that 82% of Canadian organizations are using or piloting AI in finance functions—higher than the global average of 71%.
According to the survey, among those using AI for personal finance, 45% used it to learn more about personal finance topics, 43% to update budgets, 42% to identify new investment strategies, and 40% to build or update financial plans.
AI as a Tool for Better Client Relationships
For a Canadian financial advisor like Serge Robichaud, artificial intelligence in personal finance management means tools that assist rather than replace. These AI financial tools help analyze large data sets, spot patterns, generate financial plan insights, monitor budgets, and highlight potential risks. By using them, a Canadian financial advisor can bring enhanced value: faster scenario modelling, more accurate projections, and better tracking of client behavior.
Integrating Human Insight with Technology
Yet, Serge Robichaud emphasizes that technology doesn’t remove the need for human judgment. Indeed, 68% of Canadians believe AI cannot understand how emotions influence financial planning.
In his role, Robichaud combines AI-augmented tools with the uniquely human skills of empathy, behavioral guidance, and strategic oversight. The result: a stronger financial planning Canada framework that uses AI to support decisions, while the advisor ensures the plan fits the individual’s life, goals, and values.
Do You Need a Financial Advisor?
A financial advisor gives you context, accountability, and individualized advice, even when you use AI tools. This helps you make smart choices that are in line with your specific goals and life situation.
Understanding Your Financial Goals
Before deciding whether to engage a Canadian financial advisor, ask, “What are your short-term, medium-term, and long-term goals?” Do you need help with budgeting, investing, retirement, tax strategies, or estate planning? AI in personal finance can help you track and model outcomes, but a professional adds context, human insight, and accountability.
When to Seek Professional Help
You might be fairly okay with managing your own money, but you might feel stuck or overwhelmed. If your finances are complicated – like having more than one source of income, investments that go up and down, owning a business, or family obligations – hiring a Canadian financial advisor can be a good idea. Combining AI financial tools with advisor-led planning is the greatest way to obtain the best of both worlds.
Different Types of Financial Advisors in Canada
If you know the many kinds of financial advisors in Canada, you can pick the best one for your needs, whether you need help with general financial planning, specific investment advice, or just basic banking help.
Personal Bankers
Personal bankers are usually based at commercial banks and can help you with deposits, credit and some investment ideas. Their range of things is usually smaller.
Investment Advisors
These experts work on investment portfolios, asset allocation, and sometimes wealth management. They might not talk about insurance, budgeting, or preparing as a whole.
Financial Planners
This is where Serge Robichaud, a financial advisor, comes in. A financial planner helps with everything, from budgeting to investing to pensions to insurance to estates to taxes. They also use AI tools more and more in financial planning in Canada.
How to Choose the Right Advisor
| Feature | What to Consider |
| Credentials | Look for CFP®, CFA or relevant designations. Robichaud has pursued CFA exam and securities-course credentials. |
| Services Offered | Will they align with your goals (retirement, business exit, estate planning)? |
| Use of Technology | Does the advisor incorporate modern tools—e.g., AI financial tools—to improve analysis, transparency, and efficiency? |
| Communication Style | Do you feel heard? Are your values recognized? Robichaud emphasizes tailored planning. |
| Fees & Transparency | Are the costs clear and reasonable? Does the advisor disclose conflicts? |
| Track Record & Reputation | Research background, client testimonials, and any disciplinary history. (Note: some online sources mention unresolved inquiries about Robichaud’s conduct.) |
Maintaining Mental Acuity in a Digital World
In a fast-paced digital world where AI can make all the decisions in personal finance tools, it is more important than ever to keep your mind clear and your emotions stable. Serge Robichaud, a Canadian financial expert, typically says that technology should help people, not make them feel overwhelmed. Finding a balance between being efficient with technology and taking care of your mental health usually leads to better financial decisions that are based on values.
Robichaud’s Tips for Staying Focused and Mindful
Serge Robichaud likes AI in personal finance, but he also likes to take breaks from screens. He loves the outdoors and enjoys fishing, hiking, and camping in New Brunswick. His method makes us remember that while AI financial tools become more common, it’s still necessary to keep our heads clear, our emotions in check, and our broader life context in mind.
He recommends:
- Not simply allowing algorithms to run free, but also looking over your financial strategy on a regular basis.
- Using both tool-driven insights and human contemplation, like “What matters to me?” and “What trade-offs am I willing to make?”
- Keeping an eye on technology, not just trusting AI-generated suggestions, but knowing how they function.
- Stay open-minded as AI technologies change, and so will your life. A skilled advisor helps you make changes when you need to.
Conclusion: The Future of AI in Financial Planning
The evolution of AI in personal finance is shaping a new era of collaboration between technology and human expertise. Most likely, the future of financial planning Canada will not be fully automated but rather enhanced by digital insight. As Canadians increasingly integrate AI financial tools into everyday decisions, the importance of seasoned professionals like Serge Robichaud remains vital to interpret, personalise and ground those insights in real-world goals.
Balancing Technology with the Human Touch
The rise of AI financial tools is real in the field of financial planning in Canada. But the best model is usually one that combines digital intelligence with human intuition. We can imagine a future when AI in personal finance adds to the value of a skilled advisor instead of taking their place. This is because of professionals like Serge Robichaud, a financial advisor.
As more Canadians use AI for personal finance (around one in three currently does), the people who will really succeed are those who use smart tools along with good advice. Robichaud shows that employing AI to improve client connections, modeling, and tracking is a good idea, but the human adviser is still the one who keeps the focus on life objectives, behavior patterns, and long-term success.
FAQ – AI and Financial Planning
How are financial advisors using AI?
Serge Robichaud and other financial advisors use AI financial tools to help with things like analyzing data, making models of different scenarios, automating budgets, recognizing investing patterns and giving better reports to clients. This usually gives the adviser more time to talk to people, work on deeper strategies and give behavioral coaching.
How to use AI for personal financial planning?
You can use AI tools in personal finance for tasks such as:
- Keeping track of spending and saving automatically
- Coming up with investing strategy ideas based on risk profile
- Testing how different assumptions would affect retirement results
- Finding problems or mistakes in budgets
However, in order to make this most effective, it’s best to combine usage of AI tools with the guidance of a professional advisor – especially if your situation is complex.
What is Financial Advisor IQ?
“Financial Advisor IQ” isn’t an official credential, but it does mean that the advisor can understand modern tools (like AI), combine them with human intuition, and come up with personalized plans. In this sense, an advisor with a higher “IQ” is more likely to keep up with changes in technology, regulations and how clients behave. For example, Serge Robichaud stresses the importance of continuing education and providing a full range of services.
Also Read: How to level up financial literacy? A complete guide
