AI exposure: Personal Financial Advisors
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.
Reading this score
computed40.9% of this occupation's weighted task load is exposed, which puts Personal Financial Advisors at the 72th percentile of 923 occupations. The capability is largely there. Its average task scores 3.0 out of 4 on what a current system can produce, and the frictions that hold other jobs in place are comparatively weak here.
What holds the line here is context. Across this occupation's 21 tasks it averages 2.05 out of 3, the highest of the five friction dimensions. In plain terms, the work depends on knowledge the model cannot hold. Much of this job runs on things that were never written down: what this particular organisation does, what happened last week, what the person across the table actually meant. That context is the barrier, and it erodes as systems are given more access.
The most exposed thing this job does is Monitor financial market trends to ensure that client plans are responsive, at 86.7%. The least is Recruit and maintain client bases, at 11.7%. A gap of 75.0% between two parts of the same job is the reason this index publishes at task level. An occupation-wide number would have hidden both.
Within business and financial operations occupations, this one is less exposed than the median of 47.5% across the group's 48 roles, with 34 scoring higher. Being in an exposed family does not make a particular job exposed, and the reverse holds too.
What would move this score. Of 21 tasks, 9 are currently banded exposed, 11 assisted and 1 untouched. For that distribution to shift materially would take a change in who is permitted to sign the work, which is a question for regulators rather than for engineers. The score is re-computed every quarter against a fresh capability reference, and the change is published rather than quietly applied.
Task by task
21 tasks, O*NET 31.0| Task | Exposed | Assisted | Untouched | Importance | Band |
|---|---|---|---|---|---|
| Monitor financial market trends to ensure that client plans are responsive. | 86.7% | 13.3% | 0.0% | 3.58 | exposed |
| Devise debt liquidation plans that include payoff priorities and timelines. | 80.0% | 20.0% | 0.0% | 3.35 | exposed |
| Answer clients' questions about the purposes and details of financial plans and strategies. | 73.3% | 26.7% | 0.0% | 4.54 | exposed |
| Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections. | 49.6% | 37.9% | 12.5% | 4.04 | exposed |
| Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. | 46.7% | 53.3% | 0.0% | 4.62 | assisted |
| Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment. | 46.7% | 53.3% | 0.0% | 4.46 | assisted |
| Investigate available investment opportunities to determine compatibility with client financial plans. | 40.0% | 35.0% | 25.0% | 3.96 | exposed |
| Open accounts for clients, and disburse funds from accounts to creditors as agent for clients. | 40.0% | 35.0% | 25.0% | 3.85 | exposed |
| Contact clients periodically to determine any changes in their financial status. | 35.0% | 40.0% | 25.0% | 4.12 | assisted |
| Explain to clients the personal financial advisor's responsibilities and the types of services to be provided. | 35.0% | 40.0% | 25.0% | 4.00 | assisted |
| Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances. | 35.0% | 40.0% | 25.0% | 3.40 | assisted |
| Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling. | 35.0% | 40.0% | 25.0% | 2.75 | assisted |
| Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages. | 35.0% | 40.0% | 25.0% | 2.07 | assisted |
| Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals. | 30.0% | 45.0% | 25.0% | 4.42 | assisted |
| Recommend financial products, such as stocks, bonds, mutual funds, or insurance. | 30.0% | 45.0% | 25.0% | 4.21 | assisted |
| Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills. | 30.0% | 45.0% | 25.0% | 3.83 | assisted |
| Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds. | 30.0% | 45.0% | 25.0% | 2.56 | assisted |
| 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. | 26.7% | 23.3% | 50.0% | 4.65 | exposed |
| Manage client portfolios, keeping client plans up-to-date. | 26.7% | 23.3% | 50.0% | 4.44 | exposed |
| Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation. | 26.7% | 23.3% | 50.0% | 4.19 | exposed |
| Recruit and maintain client bases. | 11.7% | 13.3% | 75.0% | 3.50 | untouched |
Task text and importance ratings sourced from O*NET 31.0. Shares computed. The occupation score is the importance-weighted mean.
Where the score comes from
judgedEvery task is scored through the standardised work activities it maps to. These are this occupation’s averages on the six rubric dimensions. Capability is what AI can do; the other five are what stands in the way.
| Dimension | Mean | Scale |
|---|---|---|
| Capability | 3.02 | 0-4 |
| Embodiment | 0.10 | 0-3 |
| Presence | 1.12 | 0-3 |
| Accountability | 1.90 | 0-3 |
| Context | 2.05 | 0-3 |
| Verification cost | 2.00 | 0-3 |
What this means in practice
Where most of a role's weighted task load is exposed, the work that survives is usually the part of the job nobody wrote into the job description: deciding what should be produced rather than producing it, and being answerable for the result. The tasks lowest on this page are a better guide to where to spend your time than any general advice about the future of work.
Occupations either side of this one
The four closest scores in the same occupational family, then the four closest anywhere in the index.
Read this carefully. Exposure is not displacement. A high score means current AI systems can produce this work, not that anyone will stop paying a person to do it. Adoption depends on economics, regulation and inertia that this index deliberately does not model. How the score is built.