Personal Financial Advisors

Business and Financial Operations Occupations

O*NET-SOC code: 13-2052.00

Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.

Data source: BLSPublished: 2026-08
Very high· relative
LowFour relative bandsVery high
Group-level value
Scale, basis and source
Four relative bands (Low / Moderate / High / Very high)
831 detailed occupations in the BLS Employment Projections table. Assigned per National Employment Matrix (NEM) code, so occupations sharing a NEM code carry the same band
Source dataset (XLSX download)
Data source: AnthropicPublished: 2026-03
0.350
0.000Range of values carried here0.745
Scale, basis and source
Observed exposure index, 0–1 as published
Mapped onto O*NET tasks
Published per SOC 2018 occupation; every O*NET occupation with the same SOC 2018 code carries this value
Source dataset (CSV download)
Data source: ILOPublished: 2025
0.57
0.09Range of values carried here0.70
Group-level value
Scale, basis and source
Generative AI exposure index, 0–1 as published
Published per ISCO-08 unit group. Linked to this occupation, wholly or in part, by applying U.S. Bureau of Labor Statistics crosswalks (ISCO-08 to 2010 SOC, 2010 SOC to 2018 SOC) as published
Source dataset (PDF download)

What kind of figure this source publishes

The BLS category is a relative rank, not an absolute level, and it is not a first-hand measurement: it groups an occupation's percentile ranks across several published studies into four bands. It is not an employment or wage forecast, not a probability of adoption, and it does not separate automation from augmentation.

Task-level exposure

Exposed tasks only

21 rated tasks · 20 tasks with β ≥ 0.5 (95.2%)

β = direct exposure (E1) + 0.5 × exposure when tools are available (E2), per the source repository's definition.

Source unit: O*NET 27.2 tasks → O*NET 31.0 occupation code
All rated tasks are in the O*NET 31.0 task list.

Source: OpenAI "GPTs are GPTs" exposure rubric
Release: gh-main-0471612
License: MIT License, Copyright (c) 2024 OpenAI

Task (O*NET 20.1)	Claude.aiRaw / share %	APIRaw / share %
Recommend financial products, such as stocks, bonds, mutual funds, or insurance. 13-2052.00	0.184234.5	0.043422.9
Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. 13-2052.00	0.153728.8	0.050126.5
Answer clients' questions about the purposes and details of financial plans and strategies. 13-2052.00	0.080115.0	0.01125.9
Monitor financial market trends to ensure that client plans are responsive. 13-2052.00	0.03175.9	0.028715.2
Manage client portfolios, keeping client plans up-to-date. 13-2052.00	0.03065.7	0.029915.8
Explain to clients the personal financial advisor's responsibilities and the types of services to be provided. 13-2052.00	0.02294.3	0.00934.9
Prepare or interpret for clients information such as investment performance reports, financial document summaries, or income projections. 13-2052.00	0.01202.2	0.00784.1
Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages. 13-2052.00	0.00701.3	0.00191.0
Investigate available investment opportunities to determine compatibility with client financial plans. 13-2052.00	0.00450.8	0.00422.2
Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals. 13-2052.00	0.00340.6	—0
Implement financial planning recommendations or refer clients to someone who can assist them with plan implementation. 13-2052.00	0.00260.5	—0
Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances. 13-2052.00	0.00150.3	—0
Contact clients periodically to determine any changes in their financial status.	—0	0.00271.4
Show 3 more tasks ▾Show less ▴
Not observed on any surface — 8 task(s) — These tasks have no row in the source for this release. The 0 in the share row is a display-stage composition ratio; absence is what the — in the raw row states.
Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, or other information needed to develop a financial plan.	—0	—0
Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.	—0	—0
Devise debt liquidation plans that include payoff priorities and timelines.	—0	—0
Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.	—0	—0
Recruit and maintain client bases.	—0	—0
Open accounts for clients and disburse funds from accounts to creditors as agent for clients.	—0	—0
Inform clients about tax benefits, government rebates, or other financial benefits of alternative fuel vehicle purchases or energy efficient home construction, improvements, or remodeling.	—0	—0
Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds.	—0	—0

Values in this tab are predicted labels, not observations. Eloundou et al. (2023) published two rating regimes — human raters and GPT-4 — and the β shown here is derived from the GPT-4 rater basis alone; the same task can take a different value under the other regime. The unit and the meaning differ from the observed shares (%) in the other tabs, so do not place them on the same axis.

Task (O*NET 27.2)	βE1 + 0.5 × E2
Explain to clients the personal financial advisor's responsibilities and the types of services to be provided. O*NET Task ID 20186	1.0
Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. O*NET Task ID 12904	0.5
Answer clients' questions about the purposes and details of financial plans and strategies. O*NET Task ID 12905	0.5
Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, or other information needed to develop a financial plan. O*NET Task ID 12907	0.5
Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation. O*NET Task ID 12909	0.5
Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections. O*NET Task ID 12913	0.5
Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills. O*NET Task ID 12914	0.5
Contact clients periodically to determine any changes in their financial status. O*NET Task ID 12915	0.5
Devise debt liquidation plans that include payoff priorities and timelines. O*NET Task ID 12917	0.5
Open accounts for clients, and disburse funds from accounts to creditors as agent for clients. O*NET Task ID 12918	0.5
Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages. O*NET Task ID 12919	0.5
Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling. O*NET Task ID 19570	0.5
Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds. O*NET Task ID 19571	0.5
Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals. O*NET Task ID 20182	0.5
Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment. O*NET Task ID 20183	0.5
Manage client portfolios, keeping client plans up-to-date. O*NET Task ID 20184	0.5
Recruit and maintain client bases. O*NET Task ID 20185	0.5
Investigate available investment opportunities to determine compatibility with client financial plans. O*NET Task ID 20187	0.5
Monitor financial market trends to ensure that client plans are responsive. O*NET Task ID 20188	0.5
Recommend financial products, such as stocks, bonds, mutual funds, or insurance. O*NET Task ID 20189	0.5
Show 10 more tasks ▾Show less ▴
Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances. O*NET Task ID 12916	0.0

β = E1 + 0.5 × E2 · E1 = tasks where direct LLM access alone cuts time by at least 50%, E2 = tasks where software built on top of an LLM cuts time by at least 50%. Values take only 0 / 0.5 / 1.0.

Data sources & licenses — O*NET®, Anthropic Economic Index, Eloundou et al. (2023): see full notices on the Credits page

All O*NET 31.0 task statements (21)

All O*NET 31.0 task statements for this occupation (English, as published; task type core or supplemental). Exposure values are not listed here; they are in the table above, next to each task statement as worded in the O*NET version each source used.

Task (O*NET 31.0)	Type
Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.	Core
Answer clients' questions about the purposes and details of financial plans and strategies.	Core
Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, or other information needed to develop a financial plan.	Core
Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.	Core
Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.	Core
Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.	Core
Contact clients periodically to determine any changes in their financial status.	Core
Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances.	Core
Devise debt liquidation plans that include payoff priorities and timelines.	Core
Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.	Core
Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.	Core
Manage client portfolios, keeping client plans up-to-date.	Core
Recruit and maintain client bases.	Core
Explain to clients the personal financial advisor's responsibilities and the types of services to be provided.	Core
Investigate available investment opportunities to determine compatibility with client financial plans.	Core
Monitor financial market trends to ensure that client plans are responsive.	Core
Recommend financial products, such as stocks, bonds, mutual funds, or insurance.	Core
Open accounts for clients, and disburse funds from accounts to creditors as agent for clients.	Supplemental
Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages.	Supplemental
Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling.	Supplemental
Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds.	Supplemental

Employment outlook (BLS)

Employment, 2025: 299K
Projected employment, 2035: 304K
Change (2025–35): +1.4%
Median annual wage, 2025: $105,070
Typical education needed for entry: Bachelor's degree

lowest $30,890median wage across 825 detailed occupations, BLS EP 2025–35highest $559,030

Source: U.S. Bureau of Labor Statistics, Employment Projections 2025–35 — Employment by detailed occupation, 2025 and projected 2035

Korea classification links (KSCO)

Links from the current release of the Korea Occupation Direct Crosswalk v1.1, made by AI Changing Work. Relation values are read from the O*NET-SOC occupation side.

KSCO code	KSCO title	Relation	Status
28229	그 외 자산 운용가	Same scope	confirmed

Relation and status definitions(kr-direct v1.1)

ILO occupational description

AI Changing Work links the ISCO-08 unit groups below to this occupation by applying the U.S. Bureau of Labor Statistics crosswalks (2018 SOC to 2010 SOC, 2010 SOC to ISCO-08) as published, without case-by-case selection; each link may be whole or partial.

ISCO-08 2412Financial and Investment Advisers

The definition, tasks and examples below are the ILO's description of that unit group, not of this occupation.

Financial and investment advisers develop financial plans for individuals and organizations, and invest and manage funds on their behalf.

Tasks

(a) building and maintaining a client base;
(b) interviewing clients to determine financial status and objectives, risk tolerance and other information needed to develop financial plans and investment strategies;
(c) setting financial objectives, and developing and implementing strategies for achieving the financial objectives;
(d) arranging to buy and sell stocks and bonds for clients;
(e) monitoring investment performance, and reviewing and revising investment plans based on modified needs and changes in markets;
(f) recommending and arranging insurance cover for clients.

Example occupations

Estate planner · Financial planner · Investment adviser

Sources: ILO ISCO-08 — details: Credits

ESCO occupational vocabulary

Each entry below is matched to this occupation in the published ESCO-O*NET Crosswalk (version 1, 2022). The match types are that crosswalk's; the wording is AI Changing Work's.

financial plannerESCO 2412.4Same scope
Financial planners assist people dealing with various personal financial issues. They are specialised in financial planning, such as retirement planning, investment planning, risk management and insurance planning, and tax planning. They advise a strategy tailored to the client's needs. They ensure the accuracy of bank and other financial records while maintaining a customer-orientated approach and following ethical standards.
asset managerESCO 3311.1Overlapping, not the same
Asset managers invest the money of a client into financial assets, through vehicles such as investment funds or management of individual clients’ portfolios. This includes the management of the financial assets, within a given investment policy and risk framework, the provision of information, the assessment and monitoring of risks.
credit adviserESCO 3312.2Overlapping, not the same
Credit advisers offer guidance to customers related to credit services. They assess the customer's financial situation and debt issues arisen from credit cards, medical bills and car loans in order to identify optimal credit solutions for customers and also provide debt elimination plans to adjust their finances if needed. They prepare qualitative credit analyses and decision-making material in respect of defined customers in conformity with the bank's strategy on credit policy, ensure the credit quality and follow up on the performance of the credit portfolio. Credit advisers also have expertise in debt management and credit consolidation.
investment adviserESCO 2412.5Overlapping, not the same
Investment advisers are professionals who offer transparent advice by recommending suitable solutions on financial matters to their clients. They advise on investing pension or free funds in securities such as stocks, bonds, mutual funds and exchange-traded funds to customers. Investment advisers serve individuals, households, families and owners of small companies.
personal trust officerESCO 2412.7Overlapping, not the same
Personal trust officers monitor and administer personal trusts. They interpret trust and testamentary documentation accordingly, interact with financial advisors to define the investment goal for the achievement of trust objectives, coordinate the purchase and sale of securities with account executives and review clients' accounts regularly.

Source: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)

License: CC BY 4.0 (EU Reuse Notice)

View original

ESCO reuse terms and the modification notice are in Credits.

France classification links (ROME)

AI Changing Work's links between this occupation and ROME 4.0 job profiles, judged with AI models. Relations are read from this occupation's side. Links marked “provisional” were adopted on the judgments of two judges from the same model family (Claude) alone, or by an operator rule applied to their judgments, so they rest on weaker evidence than confirmed links.

ROME code	ROME title (French)	Relation
C1205	Conseiller / Conseillère en gestion de patrimoine	Same scopeprovisional
C1115	Conseiller retraite / Conseillère retraite	Related, not a matchprovisional
C1217	Conseiller commercial / Conseillère commerciale de banque	Related, not a matchprovisional
C1303	Responsable de portefeuille financier	Related, not a matchprovisional

Source: France Travail — Répertoire Opérationnel des Métiers et des Emplois (ROME 4.0), version 61, last updated 15 June 2026 (https://www.data.gouv.fr/datasets/repertoire-operationnel-des-metiers-et-des-emplois-rome). Licence Ouverte 2.0.

ROME codes and titles are reproduced unchanged; the links to O*NET-SOC occupations are AI Changing Work's own judgment and are not a France Travail correspondence.

(AI Changing Work link release: fr-direct v1)

Spain classification links (CNO-11)

AI Changing Work's links between this occupation and CNO-11 occupations, judged with AI models. Relations are read from this occupation's side.

CNO-11 code	CNO-11 title (Spanish)	Relation
2612	Asesores financieros y en inversiones	Same scope

Source: Instituto Nacional de Estadística (INE), National Classification of Occupations 2011 (CNO-11, Royal Decree 1591/2010) — www.ine.es · Licensed CC BY 4.0. CNO-11 codes and Spanish titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not an INE correspondence.

(AI Changing Work link release: es-direct v1)

Germany classification links (KldB)

AI Changing Work's links between this occupation and KldB occupations, judged with AI models. Relations are read from this occupation's side.

KldB code	KldB title (German)	Relation
72123	Anlageberater/innen und sonstige Finanzdienstleistungsberufe - komplexe Spezialistentätigkeiten	Overlapping, not the same
72124	Anlageberater/innen und sonstige Finanzdienstleistungsberufe - hoch komplexe Tätigkeiten	Overlapping, not the sameprovisional

Source: © Statistik der Bundesagentur für Arbeit — Klassifikation der Berufe 2010 – überarbeitete Fassung 2020, https://statistik.arbeitsagentur.de. KldB codes and titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own mapping (eigene Zuordnung) and are not a Bundesagentur für Arbeit correspondence.

(AI Changing Work link release: de-direct v1)

Japan classification links (JSCO)

AI Changing Work's links between this occupation and JSCO occupations, judged with AI models. Relations are read from this occupation's side.

JSCO code	JSCO title (Japanese)	Relation
184	金融・保険専門職業従事者	This occupation is narrower
346	金融・保険営業職業従事者	Related, not a match

Source: Ministry of Internal Affairs and Communications (MIC), Japan Standard Occupational Classification (Dec. 2009, MIC Notification No. 555). JSCO codes and Japanese titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not a MIC correspondence.

(AI Changing Work link release: jp-direct v1)

Recent Changes Related to This Occupation

Summaries and relation labels are AI Changing Work's own; check any figures against the linked source.

RelatedMar 2026: Gupta & Kumar (arXiv, Mar 2026) list Personal Financial Advisors at an Agentic Task Exposure (ATE) score of 0.42 by 2027 in the San Francisco Bay Area (Tier 1), rising to 0.46 by 2030. With 55.9% of business and financial operations workers teleworking at least some hours, the paper argues exposure follows the employer's region rather than where the worker lives.
[Source: arXiv 2604.00186 (Gupta & Kumar, 2026)]

Sources, licenses and AI Changing Work's modification and translation notices for this page: Credits & sources