During the SPARK Forum 2025, industry leaders from TIAA, FIS, and Deloitte explored the transformative potential of artificial intelligence (AI) in the retirement sector, emphasizing the need for modern API-based infrastructure and standardized data exchange to facilitate innovation. Despite AI's promising capabilities, the panelists acknowledged the slow pace of adoption due to existing technological constraints and sponsors' cautious attitudes. They highlighted the importance of maintaining trust, emphasizing AI's role as a supplement rather than a replacement for human expertise. The discussion underscored the need for the industry to proactively establish its own regulatory standards to safely integrate AI, drawing on parallels with financial services' open banking. Additionally, they advocated for a collaborative, modular approach to technology, leveraging partnerships to enhance agility and adaptability while preparing for future sponsor demands. The forum concluded that AI's future in retirement is about enhancing human expertise through improved data, scalable infrastructure, and strategic partnerships, urging immediate action to modernize systems and foster innovation.