Personal Financial Advisors
In short: today's best AI models could do about 71% of this job's working time (projected from METR's April 2026 measurement and Epoch's November 2026 index) if the work were set up for them, and about 73% by the end of 2028 if progress keeps its long-run pace. The conversations, in-person and hands-on work, about 27% of the time, stays with people.
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.
266,800 people do this job in the US. $105,070 a year.
Reviewed on September 30, 2026: what each task is made of, and what handing it over would ask.
A typical 40-hour week
- AI could take on0 h
- A person checks AI's work28 h
- Desk work AI can't do yet1 h
- Stays with people11 h
Personal Financial Advisors, now: of a 40-hour week, AI could take on 0 hours, 28 hours become checking its work, 1 hours are desk work it can't do yet, and 11 hours stay with people.
The largest pieces: Analyze client finances for strategy (about 7 h, a person checks); Manage client portfolios (about 5 h, a person checks); Review client plans (about 4 h, a person checks).
Estimates for a typical week of this job, if progress keeps its long-run pace, counting work the best models finish four times in five. Every task is below.
of the working time. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.
- 61%
- 12%
- 11%
- 16%
- 0%
of the work: Anthropic's measure of what people already bring to Claude at work (2025). It counts help with part of a task, so it can be higher than the share within reach.
On the chosen pace and reliability. Estimate.
Share of the working time within reach, now to 2030
Change assumptionsHide assumptionsLong-run pace, four in five
What each choice means: , , , , . Every pace starts from .
At this date and pace, models finish tasks up to 2.4 work days long four times in five.
What handing it over would take, now
The 71% within reach splits by what a model would need. The dates, pace and reliability follow the controls above. Estimates.
of the working time. The material can be handed to a model and the result handed back.
of the working time. The model has to be connected to the system the work lives in.
is conversation short enough by length. This site leaves conversation with people, so it is not in the total.
How far this has come
With GPT-4, measured in March 2023, 0% of this job's working time was within reach at . With Claude 3.7 Sonnet, measured in February 2025, 0%. With Claude Mythos Preview (early), measured in April 2026, 41%. Today's estimate: 71%.
A backcast: today's task data with the best model METR had measured by each date. It shows how fast the models have moved, not what anyone forecast at the time.
Measured use over time
Of the Claude.ai conversations Anthropic sampled and tied to a work task, 0.29% went to this job's tasks in May 2026, the 81st largest of the 447 jobs that showed up at all; 5 of its 21 tasks showed up. Within each of Anthropic's methods, never across a change: 0.26% to 0.28% (released February and March 2025); 0.32% to 0.57% (August 2025 to February 2026); 0.26% to 0.29% (April to May 2026).
Each release
| Conversations | Share | Rank | Tasks seen |
|---|---|---|---|
| Released February 2025 | 0.26% | 77 of 708 | 10 of 21 |
| Released March 2025 | 0.28% | 66 of 703 | 13 of 21 |
| The week of Aug 4, 2025 (released September 2025) | 0.32% | 54 of 655 | 10 of 21 |
| The week of Nov 13, 2025 (released January 2026) | 0.34% | 51 of 672 | 10 of 21 |
| The week of Feb 5, 2026 (released March 2026) | 0.57% | 34 of 677 | 12 of 21 |
| April 2026 (released June 2026) | 0.26% | 85 of 434 | 5 of 21 |
| May 2026 (released June 2026) | 0.29% | 81 of 447 | 5 of 21 |
Measured, not estimated: Anthropic's samples of Claude.ai conversations, each tied by a model to an O*NET task, from the Anthropic Economic Index. It says where Claude's use goes, not how much of this job's working time it covers, so it is not on the same scale as the reach above. The releases differ in their sample, their classifier and the smallest share they report (the June 2026 file rounds each task to a hundredth of a percent, so a smaller task reads as none), which is why a change of method starts a new line. At least 96% of each older release's task-tied use matched this site's tasks, and all of the newest. Claude.ai only, so use through other tools and other companies' models is not in it. Every job ranked.
Robots and the physical work
Anthropic rates almost none of this job's working time as physical work, so robots do not reach it.
Anthropic's rating, not this site's estimate: Claude Opus 5, searching the web, rated each physical O*NET task by the kind of setting in which a robot it could cite (deployed, sold or demonstrated) does most of the task, weighted by its own estimate of each task's share of the time (What work can robots do?, September 30, 2026, data CC BY 4.0; every job ranked). A robot shown somewhere is not a robot in your building: cost, setup and safety decide that. The share within reach on this page still counts no body work. The robot behind each rated task is under the task below.
What changes for the people in this job
From the task-by-task review, by the end of 2028 on the long-run pace at four in five. It says which parts of the work stay with people and which change, not whether anyone keeps a job: that depends on decisions no data set can see.
What stays with people
26% of the working time: the conversation, in-person and hands-on parts of the tasks.
- Recruit and keep clients, the conversation, 4%
- Interview clients for a plan, the in-person work, 4%
- Recommend financial products, the in-person work, 4%
- Recommend financial strategies, the in-person work, 3%
- Implement plan recommendations, the conversation, 2%
- Answer clients' questions, the conversation, 2%
What becomes checking the machine
72% of the working time: desk work a model could do by then, in tasks where a mistake costs something or a licensed person signs. A person checks it.
- Analyze client finances for strategy, a licensed person signs, 19%
- Manage client portfolios, a licensed person signs, 14%
- Review client plans, a licensed person signs, 9%
- Prepare and explain reports, costly if wrong, 6%
- Implement plan recommendations, a licensed person signs, 6%
- Watch markets for client plans, costly if wrong, 5%
What to learn
- Reviewing work you did not do yourself. The tasks under What becomes checking the machine, where a mistake costs something, stay a person's to check or sign: spotting what a draft gets wrong is a skill of its own.
- Signing off under your license. Some tasks need a licensed, certified or sworn person to do or sign them. The license, and the judgment it stands for, stays with the person.
- Judgment where errors are severe. Some tasks are severe if wrong. Knowing when not to trust an output matters more there than speed.
- Briefing a model and checking its drafts. About 61% of the time is documents and data, the part models reach first: writing a clear brief, giving the right material, and checking what comes back.
- Handling protected records. Much of the work touches protected personal records: knowing what may be shared with a model, and how, is part of the job.
Your own version of this job: read it against your job description. The headline is free; the full personal report, every task with its timeline and what to learn, is $19 (a sample).
The tasks
Sorted by . 21 tasks from .
| Task | ||||
|---|---|---|---|---|
| Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.Analysis at the desk.Done daily by most who do it. AI observed on this task. | 19% | 2.5 h50 min to 6.7 h | Documents 100% | 96%Half by now |
| Manage client portfolios, keeping client plans up-to-date.Analysis and the trades and updates in the system.Done daily by most who do it. AI observed on this task. | 14% | 1.7 h25 min to 5 h | Documents 50%, systems 50% | 94%Half by now |
| Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.Reading the accounts and the plan.Done more than yearly by most who do it. | 9% | 1.3 h25 min to 2.5 h | Documents 100% | 100%Half by now |
| Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.Transactions entered and calls to set them up.Done more than weekly by most who do it. | 8% | 1.3 h25 min to 3.3 h | Systems 50%, conversation 30%, documents 20% | 70%Desk part half by now |
| Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.Reports at the desk, walked through with the client.Done more than weekly by most who do it. | 7% | 1.1 h25 min to 2.5 h | Documents 80%, in person 20% | 80%Desk part half by now |
| Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.Advice in conversation, with the plan written.Done more than weekly by most who do it. | 6% | 1.1 h25 min to 2.5 h | Documents 50%, in person 50% | 50%Desk part half by now |
| Monitor financial market trends to ensure that client plans are responsive.Reading the markets.Done daily by most who do it. AI observed on this task. | 5% | 38 min17 min to 1.7 h | Documents 100% | 100%Half by now |
| 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.The fact finding meeting, with the notes.Done more than weekly by most who do it. | 5% | 1.3 h38 min to 2.5 h | In person 80%, documents 20% | 20%Desk part half by now |
| Recommend financial products, such as stocks, bonds, mutual funds, or insurance.Recommendations in conversation, with the analysis.Done more than weekly by most who do it. AI observed on this task. | 5% | 38 min13 min to 1.7 h | In person 50%, conversation 30%, documents 20% | 20%Desk part half by now |
| Investigate available investment opportunities to determine compatibility with client financial plans.Research at the desk.Done more than yearly by most who do it. | 4% | 1.3 h25 min to 3.3 h | Documents 100% | 99%Half by now |
| Recruit and maintain client bases.Calls, meetings and events.Done more than monthly by most who do it. | 4% | 1.7 h25 min to 5 h | Conversation 50%, in person 50% | Stays with people |
| Answer clients' questions about the purposes and details of financial plans and strategies.Calls and meetings.Done more than weekly by most who do it. AI observed on this task. | 2% | 25 min8 min to 1.3 h | Conversation 60%, in person 40% | Stays with people |
Within reach, per task: the share of the task's time whose instances are short enough for a model to finish at the chosen date, pace and reliability. Half by: the date half of that time comes within reach. Made of: how the task's time splits among five kinds of doing. Only the documents and systems parts can count as within reach, so a task that is 30% documents can be at most 30% within reach.
Jobs that share skills with this one
From O*NET's related occupations. Within reach now and by the end of 2028, long-run pace, four in five.
Where this job works
The industry groups that employ the most of it (BLS, May 2025).
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities192,160 people
- Credit Intermediation and Related Activities (5221 and 5223 only)44,920 people
- Agencies, Brokerages, and Other Insurance Related Activities6,460 people
- Management of Companies and Enterprises4,680 people
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services4,110 people
Where the most of these jobs are
The metro areas with the most people in it (BLS, May 2025).
Questions about this job
- How much of the work of Personal Financial Advisors is within reach of AI now?
- An estimated 71% of the working time is within reach of AI models now and 73% by the end of 2028, on METR's long-run pace at four in five. Within reach means a model could finish work that long at that reliability. It is not a forecast of jobs lost or of savings.
- Which tasks of Personal Financial Advisors come within reach first?
- Weighted by the time each takes, the tasks with the most within reach now (projected from METR's April 2026 measurement and Epoch's November 2026 index) are: Analyze client finances for strategy (96% of the task's time now); Manage client portfolios (94% of the task's time now, 100% by the end of 2028); and Review client plans (100% of the task's time now).
- Which tasks of Personal Financial Advisors stay with people?
- Tasks that are people work or body work are not counted as within reach at any date. The largest: Recruit and keep clients; Answer clients' questions; and Check in with clients. Together such tasks are about 9% of the working time, and the people and body parts of the other tasks stay with people too.
- What should Personal Financial Advisors learn as AI takes on more of the work?
- By the job's own task-by-task review, the first things to learn are reviewing work you did not do yourself; signing off under your license; and judgment where errors are severe. By the end of 2028 on the long-run pace at four in five, about 26% of the working time stays with people, 72% becomes checking a model's work and 0% could be handed over with lighter checks. It says which parts of the work change, never whether anyone keeps a job.
- Do people already use AI for the work of Personal Financial Advisors?
- In the Claude.ai conversations Anthropic sampled for May 2026 and tied to a work task, 0.29% went to this job's tasks, the 81st largest share of the 447 jobs that showed up; 5 of its 21 tasks appeared. Anthropic's labor market measure puts the share of the job's tasks seen in real Claude use at work at 35%. These are measures of use, not of how much of the work AI could finish, and they cover Claude only.
- Can robots do the physical work of Personal Financial Advisors?
- Anthropic's robot exposure rating (September 2026) finds almost none of the working time is physical work, so robots do not reach it.
- How is this estimated?
- From the 21 tasks O*NET lists for the occupation, each with an estimated length checked against GDPval and a share of the working time, reviewed one task at a time on September 30, 2026 for what each is made of (documents, business systems, conversation, in person, hands-on), and METR's measurements of how long a task the best AI models can finish, carried forward to the date from the latest, Claude Mythos Preview (early) in April 2026. Data checked November 10, 2026.
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