AI exposure by occupation, O*NET 13-2052.00
Will AI replace Personal Financial Advisors?
Personal Financial Advisors: AI can already handle 12 of 21 tasks; the work mostly needs a frontier-tier model.
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Every task, scored
The 21 tasks O*NET 30.3 lists for Personal Financial Advisors, from most to least exposed. 12 reach 60 or more, the level at which AI already handles a task.
| Task | AI exposure | Evidence | Model tier |
|---|---|---|---|
| Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections. | Observed | Efficient | |
| Recommend financial products, such as stocks, bonds, mutual funds, or insurance. | Observed | Frontier | |
| Monitor financial market trends to ensure that client plans are responsive. | Observed | Frontier | |
| Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. | Estimated | Standard | |
| Contact clients periodically to determine any changes in their financial status. | Estimated | Standard | |
| Explain to clients the personal financial advisor's responsibilities and the types of services to be provided. | Estimated | Standard | |
| Open accounts for clients, and disburse funds from accounts to creditors as agent for clients. | Estimated | Efficient | |
| Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances. | Estimated | Standard | |
| Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment. | Estimated | Standard | |
| Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals. | Observed | Frontier | |
| Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation. | Estimated | Frontier | |
| Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds. | Estimated | Frontier | |
| 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. | Estimated | Standard | |
| Answer clients' questions about the purposes and details of financial plans and strategies. | Estimated | Efficient | |
| Manage client portfolios, keeping client plans up-to-date. | Estimated | Frontier | |
| Investigate available investment opportunities to determine compatibility with client financial plans. | Estimated | Standard | |
| Devise debt liquidation plans that include payoff priorities and timelines. | Estimated | Standard | |
| Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages. | Estimated | Standard | |
| Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills. | Observed | Frontier | |
| Recruit and maintain client bases. | Estimated | Efficient | |
| Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling. | Estimated | No tier |
Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 5 of 21 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 16 of 21. Importance is O*NET's 1 to 5 rating of how central the task is. Model tier is the lowest tier that can do the task under the published rubric; "No tier" marks hands-on work.
The model tier this role needs
A frontier-tier model or lower covers 97% of the role's importance-weighted task work. 97% of the work is something AI can address at some tier, and 3% is hands-on.
Efficient, standard and frontier tiers come from the JobRoute model tier reference. The recommended tier is the lowest one that covers 80% of the work AI can address. How the method works.
Wages, employment and outlook
- US employment
- 266,800
- Median annual wage
- $105,070
- Middle half of earners
- $72,440 to $176,790
- Projected change, 2024 to 2034
- +9.6%
Employment and wages: BLS Occupational Employment and Wage Statistics, May 2025, national. Projection: BLS Employment Projections 2024 to 2034.
Adjacent roles
The occupations that reuse the most of this role's skills, with the usual time to move. These are the first places to look when you plan to redeploy or retrain people in this role.
- Financial and Investment Analysts 68% skill overlap, about 12 months to move Exposure58
- Financial Managers 67% skill overlap, about 12 months to move Exposure59
- Securities, Commodities, and Financial Services Sales Agents 65% skill overlap, about 12 months to move Exposure57
- Financial Quantitative Analysts 62% skill overlap, about 14 months to move Exposure57
- Credit Counselors 61% skill overlap, about 14 months to move Exposure63
Skill overlap and transition time from the JobRoute role adjacency graph on O*NET 30.3 skills.
Questions about Personal Financial Advisors and AI
Will AI replace Personal Financial Advisors?
AI already handles 12 of the 21 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 61 out of 100. JobRoute scores tasks, not whole jobs, so the score shows how much of the work changes rather than whether the job disappears. BLS projects employment to change by +9.6% from 2024 to 2034.
What is the AI exposure of Personal Financial Advisors?
61 out of 100 on JobRoute's task exposure measure, the importance-weighted average of the role's O*NET task scores. Higher means more of the work is AI-doable today. 5 of the 21 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 16 are estimated from each task's O*NET work activity.
Which Personal Financial Advisors tasks can AI already do?
The tasks with the highest exposure are: Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections; Recommend financial products, such as stocks, bonds, mutual funds, or insurance; Monitor financial market trends to ensure that client plans are responsive. They are three of the 12 tasks that reach 60 or more.
What AI model tier does this role need?
A frontier-tier model or lower covers 97% of the role's importance-weighted task work. JobRoute assigns each task the lowest tier that can do it under a published rubric and recommends the lowest tier that covers 80% of the work AI can address.
How many people work as Personal Financial Advisors, and what do they earn?
266,800 people in the United States, with a median annual wage of $105,070 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of +9.6% from 2024 to 2034.
How to cite
Data version 2026-11-02, JobRoute method v1.0.0. Download all occupations or this occupation as JSON. Methodology.
JobRoute (2026). AI exposure: Personal Financial Advisors. Data version 2026-11-02, method v1.0.0. Built on O*NET 30.3, BLS OEWS May 2025 and the Anthropic Economic Index (June 2026). CC BY 4.0. https://www.jobroute.ai/jobs/personal-financial-advisors
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