Financial planning is being reshaped by the powerful combination of Artificial Intelligence (AI) and fintech, a direct result of the ongoing Fourth Industrial Revolution. The adoption of AI in financial planning in Malaysia remains nascent and uneven across demographic segments. This has created a significant gap between technological capability and consumer engagement. Therefore, this study investigates the influence of demographic factors on the adoption of AI-driven financial planning in Malaysia using econometrics qualitative response regression models. The research draws upon established behavioural frameworks and econometric modelling guided by the Technology Acceptance Model (TAM), Theory of Planned Behaviour (TPB), and Unified Theory of Acceptance and Use of Technology (UTAUT/UTAUT2). Nonetheless, this research integrates perceived benefit, perceived usefulness, perceived risk, price value, trust, and attitude as the explanatory variables while testing age, income, education, gender, and occupation as moderating variables. Data is collected via a structured questionnaire from a quota sample of 200-300 respondents in the Klang Valley through Google Forms. The main methodological contribution of this research lies in its comparative analysis of 4 qualitative response econometrics models including Linear Probability Model (LPM), Logit, Probit, and Tobit, to determine the demographic moderators that are significant in influencing the adoption of Artificial Intelligence (AI) in financial planning, to analyse the intercorrelations between the explanatory variables and the dependent variable, and to identify the best model based on diagnosis tests and accuracy criteria (RMSE, MAE, MAPE, Theil's U). By mapping heterogeneity in behavioural drivers, the findings aim to inform targeted strategies that bridge the gap between technological capability and user adoption. Ultimately, this study advances understanding of how demographic diversity shapes the adoption of Artificial Intelligence in financial planning among Malaysia’s working adults.