Financial and investment advisers
Most tasks score high and the scores agree. Expect the role to be reorganised.
Exposure is not job loss: it shows how much of the work generative AI could do today. Whether that turns into transformation, productivity gains or cuts depends on employers, regulation — and on you.
0 = today’s generative AI cannot perform any of the job’s tasks, 100 = it could do all of them fully. The pale band is the spread across tasks.
Work out your own score ↓What can you do?
🤖 Written with AIThis text was written by artificial intelligence from the data points shown; it is built on verified figures but may contain mistakes.· 12/10/2026How is it made?
With an exposure score 57/100, financial advisers face automated transaction execution and portfolio rebalancing, but expanding employment demand means advisers shift toward relationship management, complex life-stage planning, and ethical counsel.
What changes
- Automating routine trade execution and rebalancing for client stock and bond portfolios.
- Generating automated insurance policy comparisons, risk assessments, and coverage recommendations.
- Synthesizing market movements and draft review summaries to monitor investment performance continuously.
What stays human
- Building long-term client trust and managing emotional reactions during turbulent market cycles.
- Navigating sensitive family dynamics, business succession plans, and nuanced personal life goals.
- Delivering fiduciary accountability, personal empathy, and final discretionary judgment on wealth strategies.
What to learn
- Mastering behavioral finance techniques to guide anxious clients through volatile market shifts.
- Leveraging algorithmic portfolio tools and automated wealth platforms for data-driven client reviews.
- Developing expertise in complex estate planning, tax structuring, and cross-generational wealth transfer.
Task by task
The ILO scored every task of the occupation separately, as the average of two AI models (GPT-4o and Gemini). The pale band is the range between the two models' scores, the dot the ILO's final score (for a few tasks expert review placed it outside the band).
- Arranging to buy and sell stocks and bonds for clients66
- Recommending and arranging insurance cover for clients.65
- Interviewing clients to determine financial status and objectives, risk tolerance and other information needed to develop financial plans and investment strategies64
- Monitoring investment performance, and reviewing and revising investment plans based on modified needs and changes in markets62
- Setting financial objectives, and developing and implementing strategies for achieving the financial objectives49
- Building and maintaining a client base39
How much does it affect you?
Every job is different: mark which of these tasks you do and how much, and we'll compute your own, time-weighted score.
For each task: I don't do it · sometimes · most of my job.
- Arranging to buy and sell stocks and bonds for clients(66)
- Recommending and arranging insurance cover for clients.(65)
- Interviewing clients to determine financial status and objectives, risk tolerance and other information needed to develop financial plans and investment strategies(64)
- Monitoring investment performance, and reviewing and revising investment plans based on modified needs and changes in markets(62)
- Setting financial objectives, and developing and implementing strategies for achieving the financial objectives(49)
- Building and maintaining a client base(39)
You are exactly at the occupation average. (The occupation's score: 57.)
About 67% of your working time goes to highly exposed tasks (score ≥ 50).
- • Arranging to buy and sell stocks and bonds for clients
- • Recommending and arranging insurance cover for clients.
- • Building and maintaining a client base
- • Setting financial objectives, and developing and implementing strategies for achieving the financial objectives
An estimate from the ILO task scores. Everything is computed in your browser — nothing is sent or stored.
How many people work in this occupational group?
Share of the Business and administration professionals group in total employment, by country (Eurostat, ISCO 2-digit — 4-digit breakdowns are not public by country).
Table view
| Country | Business and administration professionals |
|---|---|
| Luxembourg | 18.0% · 59 thousand · 2025 |
| Lithuania | 10.7% · 155 thousand · 2025 |
| Netherlands | 9.8% · 962 thousand · 2025 |
| Sweden | 7.7% · 405 thousand · 2025 |
| Ireland | 7.3% · 203 thousand · 2025 |
| Poland | 6.5% · 1,109 thousand · 2025 |
| Malta | 6.3% · 21 thousand · 2025 |
| Norway | 6.3% · 182 thousand · 2025 |
| Denmark | 6.2% · 191 thousand · 2025 |
| France | 6.2% · 1,823 thousand · 2025 |
| Estonia | 5.8% · 41 thousand · 2025 |
| Bulgaria | 5.8% · 168 thousand · 2025 |
| Belgium | 5.7% · 294 thousand · 2025 |
| Finland | 5.5% · 142 thousand · 2025 |
| Latvia | 5.1% · 45 thousand · 2025 |
| Cyprus | 4.9% · 25 thousand · 2025 |
| United Kingdom | 4.9% · 1,677 thousand · 2025 |
| Romania | 4.8% · 368 thousand · 2025 |
| Hungary | 4.6% · 213 thousand · 2025 |
| Czechia | 4.4% · 232 thousand · 2025 |
| Germany | 4.4% · 1,848 thousand · 2025 |
| Switzerland | 4.4% · 211 thousand · 2025 |
| Portugal | 4.2% · 220 thousand · 2025 |
| Slovenia | 4.1% · 41 thousand · 2025 |
| Slovakia | 4.0% · 104 thousand · 2025 |
| Austria | 3.7% · 164 thousand · 2025 |
| Iceland | 3.4% · 8 thousand · 2025 |
| Greece | 3.2% · 140 thousand · 2025 |
| Croatia | 3.1% · 54 thousand · 2025 |
| Spain | 2.9% · 653 thousand · 2025 |
| Italy | 2.7% · 656 thousand · 2025 |
What do they earn?
Mean gross monthly earnings in the major occupational group (Professionals). Eurostat's earnings survey only publishes pay by occupation at 1 digit, so this is the job's broader group. Enterprises with 10+ employees, 2022.
By country, at purchasing power parity (PPS/month), so countries with different price levels can be compared.
- Switzerland6,389
- Luxembourg5,274
- Ireland4,873
- Germany4,807
- Belgium4,799
- Denmark4,446
- Norway4,237
- Austria4,099
- Netherlands4,031
- Iceland3,875
- EU273,850
- France3,791
- Finland3,769
- Romania3,559
- Sweden3,416
- Spain3,413
- Slovenia3,326
- Italy3,305
- Cyprus3,271
- Lithuania3,221
- Croatia2,890
- Czechia2,871
- Malta2,825
- Poland2,783
- Hungary2,777
- Portugal2,755
- Latvia2,671
- Estonia2,599
- Bulgaria2,359
- Slovakia2,345
- Greece2,321
Source: Eurostat Structure of Earnings Survey (earn_ses22_21), every four years. The United Kingdom is not covered by the survey.
Outlook to 2035
Employment in the Business and administration professionals group according to Cedefop's 2026 forecast.
thousand · Cedefop Skills Forecast 2026 · 2026–2035: projection
Replacement demand is the jobs left by people retiring or changing careers — even a shrinking occupation can have many openings.
Related occupations
Sources: ILO WP140 (2025) · Eurostat lfsa_egai2d · Cedefop Skills Forecast 2026 · WEF Future of Jobs 2025 · ESCO. The exposure score measures how much of an occupation's tasks generative AI could perform — not whether the job disappears. For information only, not career advice. How do we calculate this?