Fire the Fees pushes DIY investing with AI-powered planning guide

Dr. Jose V. Quesada has released a new book aimed at everyday investors who want to build their own long-term financial plans with help from AI. Fire the Fees focuses on creating an Investment Policy Statement and using tools like ChatGPT and Claude while stressing that AI output still needs human verification.

Why it matters: - The book is aimed at investors who want more control over retirement and legacy planning without relying entirely on paid advisors. - Fire the Fees frames AI as a planning aid that can make financial organization more accessible for everyday investors. - The guide also warns that AI can be wrong on tax and distribution rules, which makes verification essential before making decisions.

What happened: - Dr. Jose V. Quesada released Fire the Fees: Be Your Own Financial Advisor — Build a Professional Investment Policy Statement with AI: A Simple DIY Guide for Everyday Investors. - The book draws on Quesada’s own retirement planning process ahead of his August 2026 retirement. - Quesada is a physician with 30 years in finance and operations. - The book is now available on Amazon.

The details: - The book centers on building an Investment Policy Statement, a document that defines how money will be invested, managed, withdrawn and eventually transferred. - Quesada spent about six months working through asset allocation, rebalancing, Roth conversions, withdrawal sequencing across account types, tax considerations, and legacy and survivor planning. - The guide includes copy-paste prompts for AI tools such as ChatGPT and Claude. - The book explains what information investors should gather before using AI for planning. - The guide shows how AI can help with calculations, projections, allocations and drafting. - The book walks readers through 14 sections of a complete Investment Policy Statement. - It includes four worked example plans for different stages of life.

Between the lines: - Quesada’s pitch is not that AI replaces judgment, but that it can help people structure financial decisions more clearly. - The book’s example on required minimum distributions shows why financial users cannot treat AI responses as final answers. - The IRS-source check described in the book reinforces a broader caution: useful AI outputs still need independent confirmation.

What's next: - Quesada is positioning the book as both a financial education resource and a hands-on DIY guide. - Readers are expected to use the framework to build plans around their own circumstances and goals. - Interview requests and review-copy inquiries are being handled through BrightKey PR.