What AI does well
Summarises. Categorises. Drafts. Surfaces patterns. All useful — none of it is the conversation.
What it can't do
Sit in your office. Hear the tone of voice when you describe the cashflow problem. Push back on a decision you're rationalising. Hold the relationship over a decade.
The right stack
AI doing the heavy lifting on data. Senior humans doing the thinking. The combination is faster, sharper and more useful than either alone.