Artificial intelligence (AI) is rapidly transforming personal finance by offering affordable financial advice. While these tools have the potential to expand access to guidance and improve decision-making, little is known about which consumers are most receptive to AI-driven financial advice. Identifying these groups is critical for understanding how technology can be leveraged to enhance consumer and family economic well-being. This study examines sociodemographic, financial, and psychological characteristics and digital engagement variables that are related to having an interest in getting financial advice from AI. The analysis focuses on whether characteristics such as age, gender, race/ethnicity, household income, financial literacy, financial anxiety, and frequency of digital behaviors are associated with openness to AI-based financial guidance. By clarifying who is most likely to adopt AI-driven financial advice, the study provides insights into how emerging financial technologies can reduce barriers to professional guidance and promote household financial security, inclusion, and long-term consumer welfare.

Accepted Oral Presentation