Shigoto Zukan
日本語

Will AI replace personal financial advisors?AI replacement risk 82% and how the work is changing

United States Finance Confidence ★★★★★

Median annual pay
$105,070
25th–75th pct. $72,440–$176,790
Top pay (est.)
$464,100
Top 10% $357,020
Pay in 5 years
$115,500est.
2031
Pay in 10 years
$127,000est.
$109,200–$147,400
Outlook score
40/100
★★☆☆☆ Below average
AI replacement risk
82%
Very high
Job growth (10 yr)
+1.4%
17K openings / yr

Will AI replace Personal Financial Advisors? AI replacement risk

82%
Very high
Ranked #808 safest from AI among all U.S. occupations
Very lowLowModerateHighVery high

How AI is changing this job

A written analysis for this occupation is being prepared.

AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using O*NET work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →

Skills, education and requirements for Personal Financial Advisors

Key skills

Critical Thinking
4.1
Active Listening
4.0
Writing
4.0
Speaking
4.0
Reading Comprehension
4.0
Service Orientation
3.9
Judgment and Decision Making
3.9
Complex Problem Solving
3.8

O*NET skill level ratings (0–7).

Key knowledge areas

Customer and Personal Service
5.4
Mathematics
4.6
Economics and Accounting
4.5
English Language
4.4
Administration and Management
4.0
Administrative
3.9
Sales and Marketing
3.9
Computers and Electronics
3.6

What the work involves

Analyzing Data or InformationMaking Decisions and Solving ProblemsUpdating and Using Relevant KnowledgeProcessing InformationGetting InformationEstablishing and Maintaining Interpersonal RelationshipsCommunicating with People Outside the OrganizationOrganizing, Planning, and Prioritizing Work

Important abilities

Deductive ReasoningOral ExpressionNear VisionNumber FacilityOral ComprehensionWritten Expression

Education of workers

Bachelor's degree
58%
Post-bachelor's certificate
23%
Master's degree
12%
Post-secondary certificate
8%

Training before entry

None / short demo
23%
2–4 years
23%
1–2 years
19%
6–12 months
19%
Up to 1 month
12%
1–3 months
4%

Related work experience

2–4 years
35%
1–2 years
23%
None
15%
6–8 years
15%
6–12 months
8%
4–6 years
4%

Job Zone 4 — considerable preparation needed (O*NET)

Difficulty of entry: ★★★☆☆ Moderate (from education, training, experience and Job Zone)

Pay and employment figures are national statistics. Projected pay, outlook scores and AI replacement risk are estimates from the Shigoto Zukan model, not guarantees. To request a correction, use the contact form. How to read the data
Sources: BLS OEWS May 2025; BLS Employment Projections 2025–35; O*NET 31.0 Database by USDOL/ETA (CC BY 4.0), modified by Shigoto Zukan. Pay ranges, projections and scores are Shigoto Zukan estimates.