Personal Financial Advisors
Official O*NET title: Personal Financial Advisors (13-2052.00)
Also called: certified financial planner, financial advisor, financial consultant, financial counselor, financial life planner
Do you do this at work?
Answer each card — it takes about a minute.
Do you do this at work?
Prepare or interpret for clients information
Swipe right for yes, left for not me. On a keyboard: → yes, ← not me, Z undo. +2 XP per answer.
How AI is changing personal financial advisors work
12 of 17 measurable main tasks for this job show up in real AI-use data, so we rate it Red (lots of AI use) — 71%.
This shows where people already use AI, not whether the job will disappear. How we measure this.
Tasks in this job and recorded AI use
- Prepare or interpret for clients information (main task) — a lot of recorded AI use
- Answer clients' questions about the purposes and details of financial plans and strategies (main task) — a lot of recorded AI use
- Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives (main task) — a lot of recorded AI use
- Recommend financial products (main task) — some recorded AI use
- Explain to clients the personal financial advisor's responsibilities and the types of services to be provided (main task) — some recorded AI use
- Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals (main task) — some recorded AI use
- Monitor financial market trends to make sure that client plans are responsive (main task) — some recorded AI use
- Guide clients in the gathering of information (main task) — some recorded AI use
- Investigate available investment opportunities to determine compatibility with client financial plans (main task) — some recorded AI use
- Meet with clients' other advisors (main task) — some recorded AI use
- Manage client portfolios, keeping client plans up-to-date (main task) — some recorded AI use
- Put in place financial planning recommendations, or refer clients to someone who can assist them with plan implementation (main task) — some recorded AI use
- 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 (main task) — no recorded AI use
- Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment (main task) — no recorded AI use
- Contact clients periodically to determine any changes in their financial status (main task) — no recorded AI use
- Recruit and maintain client bases (main task) — no recorded AI use
- Devise debt liquidation plans that include payoff priorities and timelines (main task) — no recorded AI use
- Conduct seminars or workshops on financial planning topics — some recorded AI use
- Open accounts for clients, and disburse funds from accounts to creditors as agent for clients — too new for the AI data
- Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling — too new for the AI data
- Recommend environmentally responsible investments — no recorded AI use
Tasks: O*NET 31.0. AI use: Anthropic Economic Index (exact or close text match).
Your first steps (guidance)
- Week 1: Open a free AI assistant and say hello. Follow our “Getting started with AI” guide. Ask it one simple question about your work.
- Week 2: Use AI on one task you do often. Try the prompt for: “Prepare or interpret for clients information”. Try the prompt for: “Answer clients' questions about the purposes and details of financial plans and strategies”.
Tick your own tasks above to get a plan based on what you really do. The first 2 weeks are free; Premium (coming soon) adds weeks 3–12. New to AI? Read our beginner’s guide.
Questions about AI and personal financial advisors
Will AI replace personal financial advisors?
Our data can’t predict job losses, and we don’t try to. What it does show: 12 of the 17 main tasks for this job match tasks people already use AI for (Anthropic Economic Index), giving a Red rating (lots of AI use). Using AI on a task is not the same as AI doing the whole job, and 6 of the 21 listed tasks show no recorded AI use yet.
Which personal financial advisor tasks is AI used for most?
In the data, the most AI use among this job’s tasks is for: prepare or interpret for clients information; answer clients' questions about the purposes and details of financial plans and strategies; analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
Which personal financial advisor tasks show little or no AI use?
For example: 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; review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment; contact clients periodically to determine any changes in their financial status. These are good places to keep building your own skills.
How does this job compare to others?
In Microsoft Research’s “Working with AI” study, this job’s AI applicability score is equal to or higher than 98% of the occupations they scored. That measures overlap with AI chat use, not risk of job loss.
How can a personal financial advisor start learning AI?
Start small: open a free AI assistant, try it on one task you do often, and always check facts and numbers yourself. The plan on this page is guidance, not professional advice.
See how this job ranks
Personal Financial Advisors ranks #53 of 572 jobs for the share of main tasks with AI use (#1 = most), and #4 of 31 in Finance.
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