# 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.

- **SOC code:** 13-2052.00
- **Canonical URL:** https://singulariki.com/roles/role-13-2052-00
- **Also known as:** Certified Financial Planner (CFP), Financial Advisor, Financial Planner, Portfolio Manager, Financial Consultant, Financial Counselor, Financial Life Planner, Investment Advisor
- **Frame:** "AI exposure" means task overlap (how codifiable the work is), not jobs lost or a forecast. Every figure below is traced to a named public dataset.

## What this work is

**Core tasks** (O*NET):
- 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.
- Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
- Answer clients' questions about the purposes and details of financial plans and strategies.
- Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.
- Manage client portfolios, keeping client plans up-to-date.
- Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.
- Recommend financial products, such as stocks, bonds, mutual funds, or insurance.
- Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.
- Contact clients periodically to determine any changes in their financial status.
- Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.
- Explain to clients the personal financial advisor's responsibilities and the types of services to be provided.
- Investigate available investment opportunities to determine compatibility with client financial plans.

## Skills, tools, capabilities

**Knowledge, skills & abilities** (O*NET, highest importance first):
- Customer and Personal Service _(knowledge)_
- Reading Comprehension _(essential_skill)_
- Active Listening _(essential_skill)_
- Economics and Accounting _(knowledge)_
- Speaking _(essential_skill)_
- Oral Comprehension _(ability)_
- Written Comprehension _(ability)_
- Oral Expression _(ability)_
- Speech Clarity _(ability)_
- English Language _(knowledge)_
- Writing _(essential_skill)_
- Inductive Reasoning _(ability)_

**Skills in demand:**
- Reading Comprehension _(Common Skill)_
- Active Listening _(Common Skill)_
- English Language _(Common Skill)_
- Writing _(Common Skill)_
- Inductive Reasoning _(Common Skill)_
- Deductive Reasoning _(Common Skill)_
- Critical Thinking _(Common Skill)_
- Mathematics _(Common Skill)_
- Speech Recognition _(Specialized Skill)_
- Social Perceptiveness _(Common Skill)_
- Complex Problem Solving _(Common Skill)_
- Microsoft PowerPoint _(Common Skill)_

**Tools & technology:**
- Microsoft Excel _(hot technology, in demand)_
- Microsoft Office software _(hot technology, in demand)_
- Microsoft PowerPoint _(hot technology, in demand)_
- Microsoft Access _(hot technology)_
- Microsoft Outlook _(hot technology)_
- Microsoft Project _(hot technology)_
- Microsoft SQL Server _(hot technology)_
- Microsoft Visual Basic _(hot technology)_
- Microsoft Word _(hot technology)_
- Salesforce software _(hot technology)_
- Structured query language SQL _(hot technology)_
- Swift _(hot technology)_

## AI exposure & outlook

- **AI task-overlap index:** 98th percentile (High) across all occupations — composite of current-era exposure studies (ai-exposure-index-v1).
- **Overall AI exposure (Felten et al.):** 96th percentile (High) — source: felten_aioe.
- **LLM task exposure, γ (OpenAI / Eloundou):** 85th percentile (High) — source: eloundou_gamma.
- **AI assistant applicability (Microsoft):** 98th percentile (High) — source: microsoft_applicability.
- **Frey–Osborne (2013, historical computerization estimate):** 50th percentile — kept separate from current-era studies.
- **Remote-capable (Dingel–Neiman):** yes — task structure, not who actually works remote.
- **Projected employment (BLS 2024–34):** 9.6% growth (Growing fast); 24.1k annual openings; 326k → 357.2k jobs.
- **Pay & employment (BLS OEWS, May 2024):** median $102,140; 270,480 employed.

## How people actually use AI here

Anthropic Economic Index — measured AI conversations mapped to this occupation's tasks:

- **Automation vs augmentation:** 34% automation, 63% augmentation (usage-weighted).
- **Autonomy median:** 3.8 (higher = AI acts more independently).
- **Dominant collaboration mode:** directive.

**Tasks most handed to AI here:**
- Recommend financial products, such as stocks, bonds, mutual funds, or insurance. _(10.6% of measured AI use; directive)_
- Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. _(8.6% of measured AI use; task iteration)_
- Answer clients' questions about the purposes and details of financial plans and strategies. _(5.3% of measured AI use; learning)_
- Manage client portfolios, keeping client plans up-to-date. _(2.1% of measured AI use; task iteration)_
- Monitor financial market trends to ensure that client plans are responsive. _(1.6% of measured AI use; directive)_
- Explain to clients the personal financial advisor's responsibilities and the types of services to be provided. _(1.5% of measured AI use; learning)_
- Prepare or interpret for clients information such as investment performance reports, financial document summaries, or income projections. _(1.0% of measured AI use; directive)_
- Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages. _(0.8% of measured AI use; learning)_

**Example prompts (honest phrasings of the tasks above — starting points, not endorsed instructions):**
- Help me recommend financial products, such as stocks, bonds, mutual funds, or insurance.
- Help me analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
- Help me answer clients' questions about the purposes and details of financial plans and strategies.
- Help me manage client portfolios, keeping client plans up-to-date.
- Help me monitor financial market trends to ensure that client plans are responsive.

## Sources

- **O*NET** (30.3) — U.S. Department of Labor / National Center for O*NET Development. https://www.onetcenter.org/database.html
- **BLS Occupational Employment and Wage Statistics (OEWS)** (May 2024) — U.S. Bureau of Labor Statistics. https://www.bls.gov/oes/
- **BLS Employment Projections** (2024–2034) — U.S. Bureau of Labor Statistics. https://www.bls.gov/emp/
- **Anthropic Economic Index** (v4 (2026-01-15) + v2 (2025-03-27)) — Anthropic. https://www.anthropic.com/economic-index
- **Microsoft “Working with AI”** (working-with-ai) — Microsoft Research. https://www.microsoft.com/en-us/research/
- **“GPTs are GPTs” (Eloundou et al.)** (arXiv 2303.10130) — OpenAI / academic. https://arxiv.org/abs/2303.10130
- **AI Occupational Exposure (AIOE)** (Felten, Raj & Seamans) — academic. https://github.com/AIOE-Data/AIOE
- **Frey & Osborne (2013)** (frey-osborne-automation) — academic. https://www.oxfordmartin.ox.ac.uk/publications/the-future-of-employment/
- **Dingel & Neiman (2020)** (dingel-neiman-workathome) — academic. https://github.com/jdingel/DingelNeiman-workathome

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_Generated from Singulariki's joined dataset; data snapshot 2026-06-02T21:00:32.945303+00:00. https://singulariki.com/roles/role-13-2052-00_