The integration of artificial intelligence (AI) in financial planning has revolutionized the domain of personal and institutional finance, primarily through the use of predictive modelling techniques. These models facilitate precise forecasting of market trends, asset prices, and individual financial behaviours. This research explores the evolution of AI-driven financial planning, focusing on the theoretical and practical dimensions of predictive modelling. Key components include time-series forecasting, reinforcement learning, explainable AI, and data preprocessing. Through rigorous analysis of real-world applications and model architectures, the study provides a comprehensive assessment of the technical landscape, challenges, and future prospects of AI in financial decision-making
