Personal Financial Advisors

Business and Financial Operations Occupations

O*NET-SOC 代码: 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.

数据来源: BLS发布时间: 2026-08
很高· 相对
低四级相对区间很高
职业群单位数值
尺度 · 母数 · 来源
四级相对类别（低 / 中等 / 高 / 很高）
以BLS就业预测表中831个细分职业为基数。取值按 NEM（全国就业矩阵）代码给定，因此共用同一 NEM 代码的职业得到相同分档
来源数据集（XLSX 文件下载）
数据来源: Anthropic发布时间: 2026-03
0.350
0.000此处所载数值的范围0.745
尺度 · 母数 · 来源
观测暴露度指数，按发布原值0–1
以O*NET任务映射为基准
按 SOC 2018 职业发布的数值；具有相同 SOC 2018 代码的所有 O*NET 职业均显示此值
来源数据集（CSV 文件下载）
数据来源: ILO发布时间: 2025
0.57
0.09此处所载数值的范围0.70
职业群单位数值
尺度 · 母数 · 来源
生成式AI暴露度指数，按发布原值0–1
按 ISCO-08 细类（4 位）发布的数值。按原样应用美国劳工统计局（BLS）的官方对照表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）关联到本职业，对应关系为全部或部分对应
来源数据集（PDF 文件下载）

该来源发布的是什么性质的数值

BLS的类别是相对排位而非绝对水平，也不是一手测量：它把多项已发表研究给出的职业百分位排名归并为四个等级。它不是就业或工资预测，不是采用概率，也不区分自动化与增强。

Task-level exposure

显示隐藏的 11 项工作

已评分任务 21 项 · β ≥ 0.5 的任务 20 项（95.2%）

β = 直接暴露（E1）+ 0.5 × 借助工具时的暴露（E2），依据原始代码库的定义。

原始单位：O*NET 27.2 任务 → O*NET 31.0 职业代码
所有已评分任务均在 O*NET 31.0 任务列表中。

来源: OpenAI "GPTs are GPTs" exposure rubric
版本: gh-main-0471612
许可: MIT License, Copyright (c) 2024 OpenAI

Task (O*NET 20.1)	Claude.aiRaw / share %
Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. 13-2052.00	0.087833.8
Answer clients' questions about the purposes and details of financial plans and strategies. 13-2052.00	0.065125.1
Prepare or interpret for clients information such as investment performance reports, financial document summaries, or income projections. 13-2052.00	0.028911.1
Monitor financial market trends to ensure that client plans are responsive. 13-2052.00	0.02459.4
Explain to clients the personal financial advisor's responsibilities and the types of services to be provided. 13-2052.00	0.01736.7
Recommend financial products, such as stocks, bonds, mutual funds, or insurance. 13-2052.00	0.01204.6
Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages. 13-2052.00	0.01164.5
Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals. 13-2052.00	0.00632.4
Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills. 13-2052.00	0.00441.7
Manage client portfolios, keeping client plans up-to-date. 13-2052.00	0.00210.8

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
再显示 10 项工作 ▾收起 ▴

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

O*NET 31.0 全部任务（21 项）

本职业在 O*NET 31.0 中的全部任务（英文原文；任务类型为核心或补充）。暴露值不列在此清单中，而在上方表格里，位于各来源所用 O*NET 版本的任务表述旁。

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

就业展望（BLS）

就业人数，2025: 299K
预计就业人数，2035: 304K
变化 (2025–35): +1.4%
年薪中位数，2025: $105,070
入职通常所需学历: Bachelor's degree

最低 $30,890BLS EP 2025–35 中 825 个细分职业的工资中位数范围最高 $559,030

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

韩国职业分类关联（KSCO）

来自 AI Changing Work 制作的 Korea Occupation Direct Crosswalk v1.1 当前版本的关联。关系值从 O*NET-SOC 职业一侧解读。

KSCO 代码	KSCO 名称	关系	状态
28229	그 외 자산 운용가	范围相同	已确认

关系与状态的定义(kr-direct v1.1)

国际劳工组织（ILO）职业说明

以下 ISCO-08 职业组由 AI Changing Work 原样套用美国劳工统计局（BLS）发布的对照表（2018 SOC→2010 SOC、2010 SOC→ISCO-08）、不逐案取舍，与本职业相关联；每项关联可能是完全对应，也可能是部分对应。

ISCO-08 2412Financial and Investment Advisers
金融和投资顾问

自行翻译

自行翻译 · 非 ISCO 官方词汇 — 未经国际劳工组织审核。

以下定义、任务和职业示例是 ILO 对该 ISCO-08 职业组的描述，而不是对本职业的描述。

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

任务

(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.

职业示例

Estate planner · Financial planner · Investment adviser

Sources: ILO ISCO-08 — details: Credits

ESCO 职业词汇

以下每一项都是在已公开的ESCO-O*NET Crosswalk（第 1 版，2022 年）中与本职业逐项对应的。对应类型出自该对照表；表述出自 AI Changing Work。

financial plannerESCO 2412.4范围相同
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 3311.1有重叠，但不相同
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 3312.2有重叠，但不相同
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 2412.5有重叠，但不相同
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 2412.7有重叠，但不相同
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.

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

许可: CC BY 4.0 (EU Reuse Notice)

查看原文

ESCO reuse terms and the modification notice are in Credits.

法国职业分类关联（ROME）

本职业与 ROME 4.0 职业条目（fiche）之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。标为「暂定」的关联仅凭同一模型系列（Claude）两位判定者的判定采纳，或对其判定适用运营方规则后采纳，因此其依据弱于已确认的关联。

ROME 代码	ROME 名称（法语）	关系
C1205	Conseiller / Conseillère en gestion de patrimoine	范围相同暂定
C1115	Conseiller retraite / Conseillère retraite	相关，但不对应暂定
C1217	Conseiller commercial / Conseillère commerciale de banque	相关，但不对应暂定
C1303	Responsable de portefeuille financier	相关，但不对应暂定

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)

西班牙职业分类关联（CNO-11）

本职业与 CNO-11 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

CNO-11 代码	CNO-11 名称（西班牙语）	关系
2612	Asesores financieros y en inversiones	范围相同

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)

德国职业分类关联（KldB）

本职业与 KldB 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

KldB 代码	KldB 名称（德语）	关系
72123	Anlageberater/innen und sonstige Finanzdienstleistungsberufe - komplexe Spezialistentätigkeiten	有重叠，但不相同
72124	Anlageberater/innen und sonstige Finanzdienstleistungsberufe - hoch komplexe Tätigkeiten	有重叠，但不相同暂定

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)

日本职业分类关联（JSCO）

本职业与 JSCO 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

JSCO 代码	JSCO 名称（日语）	关系
184	金融・保険専門職業従事者	本职业范围更窄
346	金融・保険営業職業従事者	相关，但不对应

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)

与本职业相关的近期变化

摘要和关联标注由 AI Changing Work 撰写和判断；数字请以所链接的来源为准。

相关2026年3月: 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.
[来源: arXiv 2604.00186 (Gupta & Kumar, 2026)]

本页数据的来源与许可，以及 AI Changing Work 的修改与翻译说明：致谢与来源