AI Automation Index

Will AI Replace Personal Financial Advisors?

Task-level automation exposure for Personal Financial Advisors: 21 O*NET tasks scored against their work activities, plus the simulator.

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Developed & audited by Gini Loh

Automation Exposure

53% weighted task index

21 of 21 tasks scored

Median Salary

$105,070 / year

BLS OEWS, May 2025 — this exact occupation

Employment Level

High

266,800 people hold this job — size, not growth

Projected 2025–35

+1.4% employment change

17,100 openings a year · BLS line item

Pay by state

BLS OEWS publishes 49 state estimates for this occupation. Each is its own survey estimate, not the national median adjusted for local prices.

$63,300 – $166,400

Highest medians

New York $166,400

New Jersey $158,570

California $130,330

Connecticut $129,720

South Dakota $128,720

Lowest medians

Mississippi $63,300

Kentucky $67,150

Oklahoma $68,670

Hawaii $76,070

North Dakota $76,870

State figures come from the 13-2052 row in the May 2025 state panel. States where the estimate was suppressed or too small to publish are absent.

What the score is made of

Each task is mapped to its work activities, scored for AI automation potential, and weighted by how important those activities are to the job. These are the components.

Automation potential 53%

Importance-weighted mean of the scored tasks. This is the headline index.

Physical work 0%

Share of weighted tasks in hands-on or machine-operating work activities.

Judgment & influence 47%

Share in analysis, decisions, teaching, directing, advising, or caring for others.

Routine administration 9%

Share in documenting, recording, and administrative activities.

Rewritten by O*NET 0%

Share of weighted tasks O*NET rewrote in a recent update. Reported, not folded into the score.

Consequence of error 8/100 Low

O*NET's own rating of how serious an uncorrectable mistake would be here — respondents, not us. Deliberately not in the index: the score measures what AI can do with the task content, and multiplying it by stakes would be our judgment dressed as data.

Constituent Task Mix

21 tasks for this occupation, weighted by work-activity importance. Shares below are of total task weight, not task count.

High exposure (≥ 60% of the task is automatable) 41%

8 tasks

Medium exposure (≥ 35%) 37%

9 tasks

Low exposure (below 35%) 22%

4 tasks

How would you survive?

Move your week away from the high-exposure tasks and toward the ones that need judgment. The simulator recalculates the index as you shift the mix.

Simulate Upskilling →

Constituent Tasks

#12907 · Core · 30% automatable

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.

interpersonal — Client financial interviews need trust and judgment

Interview clients to gather financial information.

#12904 · Core · 62% automatable

Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.

data analysis — Financial status from documents, human verifies

Assess financial status of clients.

#12905 · Core · 72% automatable

Answer clients' questions about the purposes and details of financial plans and strategies.

text generation — Written correspondence to customers is largely automatable

Correspond with customers to answer questions or resolve complaints.

#20183 · Core · 62% automatable

Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.

data analysis — Financial status from documents, human verifies

Assess financial status of clients.

#20184 · Core · 30% automatable

Manage client portfolios, keeping client plans up-to-date.

decision support — Financial decisions carry accountability and require authority

Implement financial decisions.

#20182 · Core · 50% automatable

Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.

decision support — Analysis supports recommendations; fiduciary judgment stays human

Recommend investments to clients.

#20189 · Core · 50% automatable

Recommend financial products, such as stocks, bonds, mutual funds, or insurance.

decision support — Analysis supports recommendations; fiduciary judgment stays human

Recommend investments to clients.

#12909 · Core · 30% automatable

Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.

decision support — Financial decisions carry accountability and require authority

Implement financial decisions.

#12915 · Core · 50% automatable

Contact clients periodically to determine any changes in their financial status.

interpersonal — Client education needs trust and fiduciary accountability

Educate clients on financial planning topics.

#12913 · Core · 70% automatable

Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.

data analysis — Reports and budgets drafted; human owns assumptions

Prepare financial documents, reports, or budgets. Interpret financial information for others.

#20186 · Core · 50% automatable

Explain to clients the personal financial advisor's responsibilities and the types of services to be provided.

interpersonal — Client education needs trust and fiduciary accountability

Educate clients on financial planning topics.

#20187 · Core · 62% automatable

Investigate available investment opportunities to determine compatibility with client financial plans.

decision support — Strategic investment judgment needs human ownership

Identify strategic business investment opportunities.

#12914 · Core · 55% automatable

Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.

decision support — AI drafts financial guidance; accountability and tailoring human

Advise others on financial matters.

#20188 · Core · 72% automatable

Monitor financial market trends to ensure that client plans are responsive.

data analysis — Market trend analysis from provided data

Analyze market conditions or trends.

#20185 · Core · 25% automatable

Recruit and maintain client bases.

interpersonal — Business relationships require human trust and presence

Develop business relationships.

#12916 · Core · 55% automatable

Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances.

decision support — Financial conferral aided; judgment and trust human

Confer with others about financial matters.

#12917 · Core · 88% automatable

Devise debt liquidation plans that include payoff priorities and timelines.

data analysis — Amortization schedule computation

Compute debt repayment schedules.

#12918 · Supplemental · 60% automatable

Open accounts for clients, and disburse funds from accounts to creditors as agent for clients.

data analysis — Disbursement rules applied; fiduciary oversight human

Disburse funds from clients accounts to creditors.

#19570 · Supplemental · 50% automatable

Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling.

interpersonal — Client education needs trust and fiduciary accountability

Educate clients on financial planning topics.

#19571 · Supplemental · 50% automatable

Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds.

decision support — Analysis supports recommendations; fiduciary judgment stays human

Recommend investments to clients.

#12919 · Supplemental · 50% automatable

Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages.

interpersonal — Client education needs trust and fiduciary accountability

Educate clients on financial planning topics.

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Community Sentiment

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Method

How this was scored

1. Tasks. O*NET task statements for this occupation, from a release whose newest record is dated 08/2026.
2. Work activities. Each task maps to 1–5 Detailed Work Activities; each activity belongs to one of 41 Generalized Work Activities that O*NET rates for importance (1–5) in this occupation.
3. Automation potential. Every work activity carries one score for how far current AI can perform it end-to-end. Tasks inherit the mean of their activities.
4. Weighting. Task weight = 0.35 + 0.65 × (importance − 1)/4, scaled by how often the task is performed and by 0.7 for Supplemental tasks. Importance is the task's own O*NET rating where it exists (18,369 of 18,838 tasks); the rest inherit their work activities' importance. The index is the weighted mean.

Check: across the 910 occupations where O*NET also rates how far machine speed sets the pace, this index moves opposite to it (Spearman ρ = -0.49). The more a job is paced by equipment, the less of its task content AI can address — the relationship you would expect if the scoring is working.

Sources · O*NET 31.0 (task records to 08/2026) · BLS OEWS May 2025 · BLS projections 2025-2035 · rubric v2.1 · tasks for O*NET, not a forecast

See the full method →

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