"2. AI misses important nuances. Better prompts could help."

My experience has been very different: I give it a ton of personal context (positions, portfolio, account balances etc). I find it's advice to be exceptional, even on advanced topics (tax planning, asset location, long-term planning and scenario testing).

None of the professionals I've engaged or consider engaging (2-3 orders of magnitude more expensive than annual cost of Pro/Max subscriptions) come close.

In fact, it (both Opus 4.8 and GPT-5.5) found a tax overpayment issue my tax guy missed. I basically read out what Codex told me to the pro on the phone to get him to understand and acknowledge the issue. Paid for the annual subscription right there.