Good financial management(portfolio and personal) is a matter of disciplined routine, performed consistently over long timeframe, combined with impulse control. It is not complicated at all, any program (LLM or just a rules engine) will always do far better than we can because it will not suffer either problem(sticking to the routine or impulse).

Most humans make very bad decisions around personal finance, whether it is big things like gambling or impulse buys with expensive credit, to smaller items like tracking subscriptions or keeping not needed money in checking account etc.

This is irrespective of financial literacy, education, wealth or professions like say working in finance/ personal wealth management even.

Entire industries like lottery, gambling, luxury goods, gaming, credit card APRs, Buy Now Pay Later, Consumer SaaS, Banking overdraft fees are all built around our inability to control our impulses or follow disciplined routines.

This is why trust funds with wealth management professionals are the only way to generational wealth.

You need the ability to control any benefactor (the next generations) from excising their impulses on amounts beyond their annual draw. Plus the disciplined routine of a professional team who are paid to do only this with multiple layers that vet the impulses of individual managers and conservative mandate to keep them risk averse and therefore less impulsive.

If an program can do it for me (provided of course I irrevocably give away my control to override or alter its decisions) then normal people can also benefit without the high net worth required for wealth management.