Dr. Jose V. Quesada, a physician with three decades of experience in finance and operations, transforms his own retirement-planning journey into a resource for using artificial intelligence in personal investing
In Fire the Fees: Be Your Own Financial Advisor — Build a Professional Investment Policy Statement with AI: A Simple DIY Guide for Everyday Investors, Dr. Jose V. Quesada presents a hands-on method for long-term financial planning. Drawing on the lessons he learned while preparing for retirement, the book centers on constructing an Investment Policy Statement—a formal document that outlines how money will be invested, managed, withdrawn, and eventually handed down. His mission is to help everyday investors grasp the planning process and leverage modern AI tools as practical aides.
The concept for Fire the Fees took shape as Dr. Quesada neared his retirement in August 2026. Despite having built up investment accounts, he recognized that possessing investments was not equivalent to having a complete financial strategy. Over a period of six months, he tackled asset allocation, rebalancing, Roth conversions, the order of withdrawals across different account types, tax implications, and planning for heirs and survivors—drawing on thirty years spent in the finance and operations departments of major healthcare and consulting firms. He then turned that personal journey into an educational guide for others.
A key element of the book is its systematic and disciplined use of artificial intelligence. Dr. Quesada supplies ready-to-copy prompts for tools like ChatGPT and Claude, explains what information investors need to gather, and shows how AI can help with calculations, projections, allocations, and drafting. The manual walks readers through fourteen sections of a complete Investment Policy Statement and includes four sample plans that reflect different life stages. Its focus is on giving readers a structure for organizing financial decisions rather than simply amassing unrelated investments.
Dr. Quesada is equally forthright about AI’s shortcomings. In one segment, he asks an AI assistant when required minimum distributions must begin on a traditional IRA—and receives a confident answer that, it turns out, relies on rules the model got wrong. Only after a follow-up prompt that demands the exact IRS reference and birth-year cutoffs does the correct rule emerge. That episode became the book’s central lesson: AI output should never be considered authoritative, particularly on tax rules and other high-stakes financial matters, without independent verification.
Fire the Fees was designed both as a financial education tool and a practical do-it-yourself guide. By directly basing the book on his own retirement strategy and his background overseeing finance and operations for large organizations, Dr. Quesada aims to demonstrate how accessible planning tools have become and how readers can take a more active role in understanding their own finances. The book’s core message revolves around preparation, informed decision-making, and the thoughtful use of AI to craft a financial plan tailored to an individual’s unique circumstances and objectives.
The book is now available. Secure your copy here: https://a.co/d/0iNkIYSI
For review copies, interview requests, or additional information, please contact:
Dr. Jose V. Quesada
BrightKey PR
firethefeesbook@outlook.com
