[Core] [26% incumbents] 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.
  DWAs: Interview clients to gather financial information.

[Core] [26% incumbents] Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
  DWAs: Assess financial status of clients.

[Core] [26% incumbents] Answer clients' questions about the purposes and details of financial plans and strategies.
  DWAs: Correspond with customers to answer questions or resolve complaints.

[Core] [26% incumbents] Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.
  DWAs: Assess financial status of clients.

[Core] [26% incumbents] Manage client portfolios, keeping client plans up-to-date.
  DWAs: Implement financial decisions.

[Core] [26% incumbents] Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.
  DWAs: Recommend investments to clients.

[Core] [26% incumbents] Recommend financial products, such as stocks, bonds, mutual funds, or insurance.
  DWAs: Recommend investments to clients.

[Core] [26% incumbents] Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.
  DWAs: Implement financial decisions.

[Core] [26% incumbents] Contact clients periodically to determine any changes in their financial status.
  DWAs: Educate clients on financial planning topics.

[Core] [26% incumbents] Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.
  DWAs: Prepare financial documents, reports, or budgets. | Interpret financial information for others.

[Core] [26% incumbents] Explain to clients the personal financial advisor's responsibilities and the types of services to be provided.
  DWAs: Educate clients on financial planning topics.

[Core] [26% incumbents] Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.
  DWAs: Advise others on financial matters.

[Core] [26% incumbents] Monitor financial market trends to ensure that client plans are responsive.
  DWAs: Analyze market conditions or trends.

[Core] [26% incumbents] Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances.
  DWAs: Confer with others about financial matters.

[Core] [26% incumbents] Devise debt liquidation plans that include payoff priorities and timelines.
  DWAs: Compute debt repayment schedules.

[Supplemental] [26% incumbents] Open accounts for clients, and disburse funds from accounts to creditors as agent for clients.
  DWAs: Disburse funds from clients accounts to creditors.

[Supplemental] [26% incumbents] Inform clients about tax benefits, government rebates, or other financial benefits of alternative-fuel vehicle purchases or energy-efficient home construction, improvements, or remodeling.
  DWAs: Educate clients on financial planning topics.

[Supplemental] [26% incumbents] Recommend environmentally responsible investments, such as cleantech, alternative energy, or conservation technologies, companies, or funds.
  DWAs: Recommend investments to clients.

[Supplemental] [26% incumbents] Conduct seminars or workshops on financial planning topics, such as retirement planning, estate planning, or the evaluation of severance packages.
  DWAs: Educate clients on financial planning topics.

[Core] [25% incumbents] Investigate available investment opportunities to determine compatibility with client financial plans.
  DWAs: Identify strategic business investment opportunities.

[Core] [25% incumbents] Recruit and maintain client bases.
  DWAs: Develop business relationships.

--- SKILLS ---
  Reading Comprehension (imp:4.12 lvl:4.00) — Understanding written sentences and paragraphs in work-related documents.
  Active Listening (imp:4.12 lvl:4.00) — Giving full attention to what other people are saying, taking time to understand
  Speaking (imp:4.00 lvl:4.00) — Talking to others to convey information effectively.
  Writing (imp:3.88 lvl:4.00) — Communicating effectively in writing as appropriate for the needs of the audienc
  Critical Thinking (imp:3.75 lvl:4.12) — Using logic and reasoning to identify the strengths and weaknesses of alternativ
  Mathematics (imp:3.62 lvl:3.75) — Using mathematics to solve problems.
  Active Learning (imp:3.25 lvl:3.25) — Understanding the implications of new information for both current and future pr
  Monitoring (imp:3.12 lvl:3.75) — Monitoring/Assessing performance of yourself, other individuals, or organization
  Learning Strategies (imp:3.00 lvl:3.00) — Selecting and using training/instructional methods and procedures appropriate fo
  Science (imp:1.38 lvl:0.38) — Using scientific rules and methods to solve problems.

--- KNOWLEDGE ---
  Customer and Personal Service (imp:4.44 lvl:5.38) — Knowledge of principles and processes for providing customer and personal servic
  Economics and Accounting (imp:4.08 lvl:4.50) — Knowledge of economic and accounting principles and practices, the financial mar
  English Language (imp:3.92 lvl:4.42) — Knowledge of the structure and content of the English language including the mea
  Mathematics (imp:3.73 lvl:4.58) — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their appl
  Psychology (imp:3.08 lvl:3.65) — Knowledge of human behavior and performance; individual differences in ability, 
  Administration and Management (imp:2.88 lvl:3.96) — Knowledge of business and management principles involved in strategic planning, 
  Sales and Marketing (imp:2.88 lvl:3.92) — Knowledge of principles and methods for showing, promoting, and selling products
  Computers and Electronics (imp:2.85 lvl:3.65) — Knowledge of circuit boards, processors, chips, electronic equipment, and comput
  Law and Government (imp:2.73 lvl:2.81) — Knowledge of laws, legal codes, court procedures, precedents, government regulat
  Administrative (imp:2.62 lvl:3.92) — Knowledge of administrative and office procedures and systems such as word proce
  Communications and Media (imp:2.60 lvl:2.65) — Knowledge of media production, communication, and dissemination techniques and m
  Education and Training (imp:2.46 lvl:3.19) — Knowledge of principles and methods for curriculum and training design, teaching
  Therapy and Counseling (imp:2.40 lvl:2.96) — Knowledge of principles, methods, and procedures for diagnosis, treatment, and r
  Personnel and Human Resources (imp:2.17 lvl:2.65) — Knowledge of principles and procedures for personnel recruitment, selection, tra
  Telecommunications (imp:1.96 lvl:0.92) — Knowledge of transmission, broadcasting, switching, control, and operation of te
  Production and Processing (imp:1.58 lvl:0.88) — Knowledge of raw materials, production processes, quality control, costs, and ot
  Engineering and Technology (imp:1.52 lvl:1.04) — Knowledge of the practical application of engineering science and technology. Th
  Sociology and Anthropology (imp:1.50 lvl:1.00) — Knowledge of group behavior and dynamics, societal trends and influences, human 
  Philosophy and Theology (imp:1.44 lvl:0.81) — Knowledge of different philosophical systems and religions. This includes their 
  Geography (imp:1.31 lvl:0.96) — Knowledge of principles and methods for describing the features of land, sea, an
  History and Archeology (imp:1.27 lvl:0.85) — Knowledge of historical events and their causes, indicators, and effects on civi
  Public Safety and Security (imp:1.23 lvl:0.38) — Knowledge of relevant equipment, policies, procedures, and strategies to promote
  Design (imp:1.15 lvl:0.23) — Knowledge of design techniques, tools, and principles involved in production of 
  Fine Arts (imp:1.12 lvl:0.19) — Knowledge of the theory and techniques required to compose, produce, and perform
  Foreign Language (imp:1.08 lvl:0.12) — Knowledge of the structure and content of a foreign (non-English) language inclu
  Mechanical (imp:1.04 lvl:0.08) — Knowledge of machines and tools, including their designs, uses, repair, and main
  Medicine and Dentistry (imp:1.04 lvl:0.08) — Knowledge of the information and techniques needed to diagnose and treat human i
  Transportation (imp:1.04 lvl:0.12) — Knowledge of principles and methods for moving people or goods by air, rail, sea
  Food Production (imp:1.00) — Knowledge of techniques and equipment for planting, growing, and harvesting food
  Building and Construction (imp:1.00) — Knowledge of materials, methods, and the tools involved in the construction or r
  Physics (imp:1.00) — Knowledge and prediction of physical principles, laws, their interrelationships,
  Chemistry (imp:1.00) — Knowledge of the chemical composition, structure, and properties of substances a
  Biology (imp:1.00) — Knowledge of plant and animal organisms, their tissues, cells, functions, interd

--- ABILITIES ---
  Oral Comprehension (imp:4.00 lvl:4.00) — The ability to listen to and understand information and ideas presented through 
  Written Comprehension (imp:4.00 lvl:4.00) — The ability to read and understand information and ideas presented in writing.
  Oral Expression (imp:4.00 lvl:4.50) — The ability to communicate information and ideas in speaking so others will unde
  Speech Clarity (imp:4.00 lvl:3.88) — The ability to speak clearly so others can understand you.
  Inductive Reasoning (imp:3.88 lvl:4.00) — The ability to combine pieces of information to form general rules or conclusion
  Written Expression (imp:3.75 lvl:4.00) — The ability to communicate information and ideas in writing so others will under
  Deductive Reasoning (imp:3.75 lvl:4.62) — The ability to apply general rules to specific problems to produce answers that 
  Number Facility (imp:3.75 lvl:4.12) — The ability to add, subtract, multiply, or divide quickly and correctly.
  Near Vision (imp:3.75 lvl:4.12) — The ability to see details at close range (within a few feet of the observer).
  Problem Sensitivity (imp:3.62 lvl:4.00) — The ability to tell when something is wrong or is likely to go wrong. It does no
  Mathematical Reasoning (imp:3.62 lvl:3.62) — The ability to choose the right mathematical methods or formulas to solve a prob
  Speech Recognition (imp:3.62 lvl:3.88) — The ability to identify and understand the speech of another person.
  Information Ordering (imp:3.38 lvl:3.25) — The ability to arrange things or actions in a certain order or pattern according
  Fluency of Ideas (imp:3.12 lvl:3.38) — The ability to come up with a number of ideas about a topic (the number of ideas
  Originality (imp:3.00 lvl:3.00) — The ability to come up with unusual or clever ideas about a given topic or situa
  Category Flexibility (imp:3.00 lvl:3.00) — The ability to generate or use different sets of rules for combining or grouping
  Perceptual Speed (imp:2.88 lvl:2.75) — The ability to quickly and accurately compare similarities and differences among
  Selective Attention (imp:2.88 lvl:2.62) — The ability to concentrate on a task over a period of time without being distrac
  Flexibility of Closure (imp:2.75 lvl:2.88) — The ability to identify or detect a known pattern (a figure, object, word, or so
  Memorization (imp:2.62 lvl:2.62) — The ability to remember information such as words, numbers, pictures, and proced
  Speed of Closure (imp:2.62 lvl:2.62) — The ability to quickly make sense of, combine, and organize information into mea
  Time Sharing (imp:2.62 lvl:2.50) — The ability to shift back and forth between two or more activities or sources of
  Far Vision (imp:2.50 lvl:2.38) — The ability to see details at a distance.
  Visualization (imp:2.00 lvl:1.88) — The ability to imagine how something will look after it is moved around or when 
  Trunk Strength (imp:1.75 lvl:1.12) — The ability to use your abdominal and lower back muscles to support part of the 
  Visual Color Discrimination (imp:1.75 lvl:1.50) — The ability to match or detect differences between colors, including shades of c
  Auditory Attention (imp:1.75 lvl:1.12) — The ability to focus on a single source of sound in the presence of other distra
  Hearing Sensitivity (imp:1.62 lvl:0.75) — The ability to detect or tell the differences between sounds that vary in pitch 
  Wrist-Finger Speed (imp:1.50 lvl:0.50) — The ability to make fast, simple, repeated movements of the fingers, hands, and 
  Finger Dexterity (imp:1.38 lvl:0.38) — The ability to make precisely coordinated movements of the fingers of one or bot
  Depth Perception (imp:1.38 lvl:0.38) — The ability to judge which of several objects is closer or farther away from you
  Spatial Orientation (imp:1.00) — The ability to know your location in relation to the environment or to know wher
  Arm-Hand Steadiness (imp:1.00) — The ability to keep your hand and arm steady while moving your arm or while hold
  Manual Dexterity (imp:1.00) — The ability to quickly move your hand, your hand together with your arm, or your
  Control Precision (imp:1.00) — The ability to quickly and repeatedly adjust the controls of a machine or a vehi
  Multilimb Coordination (imp:1.00) — The ability to coordinate two or more limbs (for example, two arms, two legs, or
  Response Orientation (imp:1.00) — The ability to choose quickly between two or more movements in response to two o
  Rate Control (imp:1.00) — The ability to time your movements or the movement of a piece of equipment in an
  Reaction Time (imp:1.00) — The ability to quickly respond (with the hand, finger, or foot) to a signal (sou
  Speed of Limb Movement (imp:1.00) — The ability to quickly move the arms and legs.
  Static Strength (imp:1.00) — The ability to exert maximum muscle force to lift, push, pull, or carry objects.
  Explosive Strength (imp:1.00) — The ability to use short bursts of muscle force to propel oneself (as in jumping
  Dynamic Strength (imp:1.00) — The ability to exert muscle force repeatedly or continuously over time. This inv
  Stamina (imp:1.00) — The ability to exert yourself physically over long periods of time without getti
  Extent Flexibility (imp:1.00) — The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
  Dynamic Flexibility (imp:1.00) — The ability to quickly and repeatedly bend, stretch, twist, or reach out with yo
  Gross Body Coordination (imp:1.00) — The ability to coordinate the movement of your arms, legs, and torso together wh
  Gross Body Equilibrium (imp:1.00) — The ability to keep or regain your body balance or stay upright when in an unsta
  Night Vision (imp:1.00) — The ability to see under low-light conditions.
  Peripheral Vision (imp:1.00) — The ability to see objects or movement of objects to one's side when the eyes ar
  Glare Sensitivity (imp:1.00) — The ability to see objects in the presence of a glare or bright lighting.
  Sound Localization (imp:1.00) — The ability to tell the direction from which a sound originated.

--- WORK ACTIVITIES ---
  Getting Information (imp:4.77 lvl:5.42) — Observing, receiving, and otherwise obtaining information from all relevant sour
  Analyzing Data or Information (imp:4.68 lvl:5.64) — Identifying the underlying principles, reasons, or facts of information by break
  Working with Computers (imp:4.62 lvl:3.88) — Using computers and computer systems (including hardware and software) to progra
  Making Decisions and Solving Problems (imp:4.56 lvl:5.64) — Analyzing information and evaluating results to choose the best solution and sol
  Establishing and Maintaining Interpersonal Relationships (imp:4.56 lvl:5.42) — Developing constructive and cooperative working relationships with others, and m
  Processing Information (imp:4.46 lvl:5.46) — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying
  Updating and Using Relevant Knowledge (imp:4.46 lvl:5.48) — Keeping up-to-date technically and applying new knowledge to your job.
  Interpreting the Meaning of Information for Others (imp:4.23 lvl:4.50) — Translating or explaining what information means and how it can be used.
  Communicating with People Outside the Organization (imp:4.21 lvl:5.40) — Communicating with people outside the organization, representing the organizatio
  Organizing, Planning, and Prioritizing Work (imp:4.04 lvl:5.19) — Developing specific goals and plans to prioritize, organize, and accomplish your
  Documenting/Recording Information (imp:4.04 lvl:4.31) — Entering, transcribing, recording, storing, or maintaining information in writte
  Evaluating Information to Determine Compliance with Standards (imp:4.00 lvl:4.42) — Using relevant information and individual judgment to determine whether events o
  Providing Consultation and Advice to Others (imp:4.00 lvl:4.96) — Providing guidance and expert advice to management or other groups on technical,
  Developing Objectives and Strategies (imp:3.92 lvl:4.58) — Establishing long-range objectives and specifying the strategies and actions to 
  Communicating with Supervisors, Peers, or Subordinates (imp:3.77 lvl:4.32) — Providing information to supervisors, co-workers, and subordinates by telephone,
  Scheduling Work and Activities (imp:3.48 lvl:4.12) — Scheduling events, programs, and activities, as well as the work of others.
  Performing for or Working Directly with the Public (imp:3.48 lvl:3.85) — Performing for people or dealing directly with the public. This includes serving
  Selling or Influencing Others (imp:3.42 lvl:4.19) — Convincing others to buy merchandise/goods or to otherwise change their minds or
  Thinking Creatively (imp:3.39 lvl:4.32) — Developing, designing, or creating new applications, ideas, relationships, syste
  Identifying Objects, Actions, and Events (imp:3.38 lvl:3.68) — Identifying information by categorizing, estimating, recognizing differences or 
  Assisting and Caring for Others (imp:3.27 lvl:3.62) — Providing personal assistance, medical attention, emotional support, or other pe
  Training and Teaching Others (imp:3.24 lvl:4.12) — Identifying the educational needs of others, developing formal educational or tr
  Performing Administrative Activities (imp:3.23 lvl:4.38) — Performing day-to-day administrative tasks such as maintaining information files
  Coaching and Developing Others (imp:3.12 lvl:4.31) — Identifying the developmental needs of others and coaching, mentoring, or otherw
  Estimating the Quantifiable Characteristics of Products, Events, or Information (imp:3.08 lvl:3.42) — Estimating sizes, distances, and quantities; or determining time, costs, resourc
  Judging the Qualities of Objects, Services, or People (imp:3.08 lvl:3.62) — Assessing the value, importance, or quality of things or people.
  Resolving Conflicts and Negotiating with Others (imp:3.00 lvl:3.88) — Handling complaints, settling disputes, and resolving grievances and conflicts, 
  Guiding, Directing, and Motivating Subordinates (imp:3.00 lvl:3.69) — Providing guidance and direction to subordinates, including setting performance 
  Developing and Building Teams (imp:2.96 lvl:3.12) — Encouraging and building mutual trust, respect, and cooperation among team membe
  Monitoring Processes, Materials, or Surroundings (imp:2.88 lvl:3.15) — Monitoring and reviewing information from materials, events, or the environment,
  Coordinating the Work and Activities of Others (imp:2.76 lvl:3.32) — Getting members of a group to work together to accomplish tasks.
  Monitoring and Controlling Resources (imp:2.44 lvl:3.36) — Monitoring and controlling resources and overseeing the spending of money.
  Staffing Organizational Units (imp:2.12 lvl:2.54) — Recruiting, interviewing, selecting, hiring, and promoting employees in an organ
  Repairing and Maintaining Electronic Equipment (imp:1.19 lvl:0.27) — Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines,
  Inspecting Equipment, Structures, or Materials (imp:1.12 lvl:0.23) — Inspecting equipment, structures, or materials to identify the cause of errors o
  Performing General Physical Activities (imp:1.08 lvl:0.27) — Performing general physical activities includes doing activities that require co
  Handling and Moving Objects (imp:1.08 lvl:0.27) — Using hands and arms in handling, installing, positioning, and moving materials,
  Operating Vehicles, Mechanized Devices, or Equipment (imp:1.08 lvl:0.15) — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, s
  Controlling Machines and Processes (imp:1.04 lvl:0.19) — Using either control mechanisms or direct physical activity to operate machines 
  Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment (imp:1.04 lvl:0.08) — Providing documentation, detailed instructions, drawings, or specifications to t
  Repairing and Maintaining Mechanical Equipment (imp:1.04 lvl:0.15) — Servicing, repairing, adjusting, and testing machines, devices, moving parts, an

--- WORK STYLES ---
  Dependability (imp:9.00) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:8.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:7.00) — A tendency to be honest and ethical at work.
  Cautiousness (imp:6.00) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Intellectual Curiosity (imp:5.00) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Achievement Orientation (imp:4.00) — A tendency to establish and maintain personally challenging work-related goals, 
  Social Orientation (imp:3.00) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Attention to Detail (imp:3.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:2.93) — A tendency to be honest and ethical at work.
  Dependability (imp:2.65) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Cautiousness (imp:2.35) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Intellectual Curiosity (imp:2.33) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Social Orientation (imp:2.31) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Achievement Orientation (imp:2.28) — A tendency to establish and maintain personally challenging work-related goals, 
  Perseverance (imp:2.23) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Initiative (imp:2.11) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Perseverance (imp:2.00) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Self-Confidence (imp:1.98) — A tendency to believe in one's work-related capabilities and ability to control 
  Cooperation (imp:1.84) — A tendency to be pleasant, helpful, and willing to assist others at work.
  Self-Control (imp:1.84) — A tendency to remain calm and composed and to manage emotions effectively in res
  Sincerity (imp:1.78) — A tendency to be genuine and sincere in interactions with others at work, withou
  Stress Tolerance (imp:1.70) — A tendency to cope and function effectively in stressful situations at work.
  Leadership Orientation (imp:1.67) — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Empathy (imp:1.65) — A tendency to show concern for others and be sensitive to others' needs and feel
  Tolerance for Ambiguity (imp:1.51) — A tendency to be comfortable with ambiguity and uncertainty at work.
  Adaptability (imp:1.51) — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Innovation (imp:1.30) — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Optimism (imp:1.29) — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Initiative (imp:1.00) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Humility (imp:0.45) — A tendency to be modest and humble when interacting with others at work.
  Innovation () — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Tolerance for Ambiguity () — A tendency to be comfortable with ambiguity and uncertainty at work.
  Adaptability () — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Self-Confidence () — A tendency to believe in one's work-related capabilities and ability to control 
  Leadership Orientation () — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility () — A tendency to be modest and humble when interacting with others at work.
  Sincerity () — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy () — A tendency to show concern for others and be sensitive to others' needs and feel
  Cooperation () — A tendency to be pleasant, helpful, and willing to assist others at work.
  Optimism () — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Stress Tolerance () — A tendency to cope and function effectively in stressful situations at work.
  Self-Control () — A tendency to remain calm and composed and to manage emotions effectively in res

--- TRANSFERABLE SKILLS ---
  Social Perceptiveness (imp:3.62 lvl:3.62) — Being aware of others' reactions and understanding why they react as they do.
  Service Orientation (imp:3.62 lvl:3.88) — Actively looking for ways to help people.
  Complex Problem Solving (imp:3.62 lvl:3.75) — Identifying complex problems and reviewing related information to develop and ev
  Judgment and Decision Making (imp:3.62 lvl:3.88) — Considering the relative costs and benefits of potential actions to choose the m
  Persuasion (imp:3.38 lvl:3.50) — Persuading others to change their minds or behavior.
  Systems Analysis (imp:3.38 lvl:3.62) — Determining how a system should work and how changes in conditions, operations, 
  Systems Evaluation (imp:3.38 lvl:3.50) — Identifying measures or indicators of system performance and the actions needed 
  Coordination (imp:3.00 lvl:3.00) — Adjusting actions in relation to others' actions.
  Negotiation (imp:3.00 lvl:3.00) — Bringing others together and trying to reconcile differences.
  Instructing (imp:3.00 lvl:3.00) — Teaching others how to do something.
  Time Management (imp:3.00 lvl:3.00) — Managing one's own time and the time of others.
  Management of Financial Resources (imp:2.88 lvl:2.88) — Determining how money will be spent to get the work done, and accounting for the
  Operations Analysis (imp:2.50 lvl:2.38) — Analyzing needs and product requirements to create a design.
  Management of Personnel Resources (imp:2.12 lvl:2.12) — Motivating, developing, and directing people as they work, identifying the best 
  Management of Material Resources (imp:1.88 lvl:1.50) — Obtaining and seeing to the appropriate use of equipment, facilities, and materi
  Quality Control Analysis (imp:1.75 lvl:0.88) — Conducting tests and inspections of products, services, or processes to evaluate
  Programming (imp:1.62 lvl:0.62) — Writing computer programs for various purposes.
  Operations Monitoring (imp:1.62 lvl:0.62) — Watching gauges, dials, or other indicators to make sure a machine is working pr
  Technology Design (imp:1.50 lvl:0.50) — Generating or adapting equipment and technology to serve user needs.
  Equipment Selection (imp:1.00) — Determining the kind of tools and equipment needed to do a job.
  Installation (imp:1.00) — Installing equipment, machines, wiring, or programs to meet specifications.
  Operation and Control (imp:1.00) — Controlling operations of equipment or systems.
  Equipment Maintenance (imp:1.00) — Performing routine maintenance on equipment and determining when and what kind o
  Troubleshooting (imp:1.00) — Determining causes of operating errors and deciding what to do about it.
  Repairing (imp:1.00) — Repairing machines or systems using the needed tools.

--- NATIONAL WAGES ---
  total_employment : 266,800
  annual_median    : $105,070
  annual_pct10     : $50,190
  annual_pct25     : $72,440
  annual_pct75     : $176,790
  annual_pct90     : $357,020
  annual_mean      : $156,670
  hourly_median    : $50.51

--- GEOGRAPHIC DISPERSION ---
  highest_state    : New York ($166,400)
  lowest_state     : Mississippi ($63,300)
  dispersion_ratio : 2.629x

--- TOP STATES BY WAGE (49 total) ---
  Finance and Insurance                    emp:  248,380  median: $ 106,810
  Professional, Scientific, and Technical Services emp:    8,680  median: $  99,320
  Management of Companies and Enterprises  emp:    4,680  median: $  95,570
  Health Care and Social Assistance        emp:    1,720  median: $  56,660
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:      310  median: $  76,940
  Educational Services                     emp:      210  median: $  54,500
  Other Services (except Public Administration) emp:      190  median: $       0
  Information                              emp:      160  median: $       0

--- TOP INDUSTRIES BY EMPLOYMENT (8 total) ---
  Finance and Insurance                    emp:  248,380  median: $ 106,810
  Professional, Scientific, and Technical Services emp:    8,680  median: $  99,320
  Management of Companies and Enterprises  emp:    4,680  median: $  95,570
  Health Care and Social Assistance        emp:    1,720  median: $  56,660
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:      310  median: $  76,940
  Educational Services                     emp:      210  median: $  54,500
  Other Services (except Public Administration) emp:      190  median: $       0
  Information                              emp:      160  median: $       0

exact_match_status : found
matched_title      : Financial adviser
match_score        : 0.7273
wikidata_qid       : Q683476
word_count         : 3,048
wikipedia_url      : https://en.wikipedia.org/wiki/Financial_adviser
license            : CC BY-SA 4.0
fetched_at         : 2026-06-02T20:16:50.494746Z

--- WIKIPEDIA FULL TEXT ---
A financial adviser or financial advisor is a professional who provides financial services to clients based on their financial situation. In many countries, financial advisors must complete specific training and be registered with a regulatory body in order to provide advice.
Relationships between clients and financial advisors can be characterized by principal-agent problems, as financial advisors may possess information and conflicts of interest that lead to dishonest advice and misconduct.
Financial advisors provide a broad range of services that may include investment advice, retirement and estate planning, wealth management, tax‑efficient strategies, insurance solutions, and holistic financial guidance, depending on their licensing, credentials, and scope of practice.


== Role ==
Financial advisers typically provide financial products and services, depending on the qualification examinations they hold and the training they have. Financial advisers are registered, not licensed. For example, a licensed insurance agent may be qualified to sell both life insurance and variable annuities, because the insurance agent holds an insurance license and holds the Series 7 qualification examination. A broker (Series 7) may also be a financial planner. Any advisor can say they are a financial planner; they do not have to hold the CFP (Certified Financial Planner) designation to do so. A financial adviser may create financial plans for clients or sell financial products, or a combination of both. They may also provide insight on savings.
In Canada, the regulatory structure differs significantly. Individuals may hold a life and accident and sickness insurance licence, obtained through the Life Licence Qualification Program (LLQP), which permits the sale of life and health insurance, segregated funds, and annuities. Securities advisors are registered under the Canadian Investment Regulatory Organization (CIRO) and may qualify to sell mutual funds, exchange‑traded funds (ETFs), equities, bonds, or derivatives depending on their registration category and completed courses, such as the Canadian Securities Course (CSC). Many advisors are dual‑licensed, allowing them to offer both insurance and investment products.
Financial planning is a separate professional function. In Ontario and Québec, the titles Financial Planner and Financial Advisor are legally protected and may only be used by individuals who hold approved credentials from recognized credentialing bodies. Common planning designations include CFP, QAFP, PFA, CLU, and RFP. Advisors may create financial plans, provide holistic financial guidance, or combine planning with product distribution depending on their qualifications and regulatory permissions.


== Compensation ==
A financial adviser is generally compensated through fees, commissions, or a combination of both. For example, a financial adviser may be compensated in one or more of the following ways:

An hourly fee, for advisory or planning services
A flat fee, such as $3,500 per year, for an annual portfolio review or $5,000 for a financial plan. This is often referred to as "flat fee advisors" or "fee-based advising"
Asset-based fee, typically a percentage of assets under management (AUM), such as 1% annually of assets managed.
Mutual fund commissions, including front‑end loads, deferred sales charges (DSCs), or ongoing trailer fees (the latter being common in Canada). This is based on the amount invested in a mutual fund or variable annuity.
Insurance commissions, including first‑year commissions, renewal commissions, and service fees for life and health insurance products.
Segregated fund commissions, which apply to insurance‑based investment products.
A commission on the securities transactions, such as $12 per trade, where permitted, including mark‑ups or mark‑downs on fixed‑income products.
A mark-up, when one buys house products (such as bonds that the broker holds in inventory), or a mark-down when they are sold.


== Regulation ==


=== United States ===
Advisors typically fall into two separate categories: broker-dealers (BD) who typically earn a commission from sales and registered investment advisers (RIAs) who typically charge a fee based upon assets under management while serving as fiduciaries and are registered at the state or federal level. Additionally, an advisor can be either affiliated with a large firm ("wirehouse") or be independent (e.g., independent broker-dealer or IBD). There are also "hybrid RIAs" who are both broker-dealers and registered.
The number of independent broker-dealer firms has declined from 1175 in 2007 to 819 in 2018, while RIA firms have grown from 9,538 to 15,645 over the same time period. As of 2016, the largest IBD firm by revenue was LPL Financial followed by Ameriprise Financial and Raymond James Financial. Edward Jones is another large broker-dealer, and in 2017 stopped selling commission-based funds in response to a best interest fiduciary rule by the Department of Labor (DOL). As of 2019, Merrill Lynch had not adopted an RIA model while Wells Fargo and Goldman Sachs had opened up to the business model. As of 2019, the largest fee-only RIA firm was Edelman Financial Engines with over $200 billion in assets under management, under the ownership of private equity firm Hellman & Friedman. Other large fee-only RIA firms include Fisher Investments, which has over $120 billion in assets under management. As of 2019, 80% of the $4 trillion managed by RIAs were on one of four platforms: Fidelity Investments, Schwab, and Pershing LLC. Some RIAs operate inside "RIA aggregators" which provide institutional support similar to a wirehouse.
In the United States, the Financial Industry Regulatory Authority (FINRA) regulates and oversees the activities of brokerage firms, and their registered representatives. The Securities and Exchange Commission (SEC) regulates investment advisers and their investment adviser representatives. Insurance companies, insurance agencies and insurance producers are regulated by state authorities. Investment Advisers may be registered with state regulatory agencies, the Securities and Exchange Commission, or pursuant to certain exemptions, remain unregistered.
In the United States, a financial adviser carries a Series 7 and Series 66 or Series 65 qualification examination. According to the U.S. Financial Industry Regulatory Authority (FINRA), qualification designations and compliance issues must be reported for public view. Details of formal compliance issues can be found on the Investment Adviser Public Disclosure (IAPD) website. FINRA specifies the following groups of "investment professionals" who do not necessarily or always represent a "financial adviser:" brokers, investment advisers, private bankers, accountants, lawyers, insurance agents and financial planners. Financial advisors need to be able to take the full picture of the client's financial situation into account.


==== Fiduciary standard ====
The anti-fraud provisions of the Investment Advisers Act of 1940 and most state laws impose a duty on Investment Advisors to act as fiduciaries in dealings with their clients. This means the adviser must hold the client's interest above its own in all matters. The SEC has said that an adviser has a duty to:

Make reasonable investment recommendations independent of outside influences
Select broker-dealers based on their ability to provide the best execution of trades for accounts where the adviser has authority to select the broker-dealer.
Make recommendations based on a reasonable inquiry into a client's investment objectives, financial situation, and other factors
Always place client interests ahead of its own.
Since the financial crisis in 2008, there has been great debate regarding the fiduciary standard and to which advisers it should apply. In July 2010, The Dodd–Frank Wall Street Reform and Consumer Protection Act mandated increased consumer protection measures, including enha

--- SEMANTIC NEIGHBORS (5) ---

  Title: Robo-advisor (similarity: 0.4615)
  URL: https://en.wikipedia.org/wiki/Robo-advisor
  QID: Q21096079
  Extract: Robo-advisors or robo-advisers are financial advisers that provide personalized financial advice and investment management online with moderate to minimal human intervention. A robo-advisor provides digital financial advice that is personalised based on mathematical rules or algorithms. These algori

  Title: Financial planner (similarity: 0.5455)
  URL: https://en.wikipedia.org/wiki/Financial_planner
  QID: Q1089801
  Extract: A financial planner or personal financial planner is a qualified financial advisor. Practicing in full service personal finance, they advise clients on investments, insurance, tax, retirement and estate planning.

  Title: Waddell & Reed (similarity: 0.2439)
  URL: https://en.wikipedia.org/wiki/Waddell_%26_Reed
  QID: Q7958965
  Extract: Waddell & Reed Financial, Inc. was an American asset management and financial planning company founded in 1937 in Kansas City, Missouri. It was a publicly traded company from 1998 to 2021, and briefly had its headquarters in Overland Park, Kansas, and was planning a move back to Downtown Kansas City

  Title: Certified Financial Planner (similarity: 0.5556)
  URL: https://en.wikipedia.org/wiki/Certified_Financial_Planner
  QID: Q877112
  Extract: The Certified Financial Planner (CFP) certification is a professional certification mark for financial planners conferred by the Certified Financial Planner Board of Standards in the United States, and by 25 other organizations affiliated with the Financial Planning Standards Board (FPSB), the owner

  Title: Certified Financial Planner Board of Standards (similarity: 0.4932)
  URL: https://en.wikipedia.org/wiki/Certified_Financial_Planner_Board_of_Standards
  QID: Q5065168
  Extract: Certified Financial Planner Board of Standards, Inc., is an American 501(c)(6) nonprofit organization that sets and upholds standards for financial planning. It administers Certified Financial Planner (CFP) certification, which is held by more than 100,000 people in the United States.

model_pass1          : claude-sonnet-4-20250514
model_pass2          : claude-haiku-4-5-20251001
inference_confidence : high
confidence_notes     : Strong confidence supported by comprehensive O*NET data, clear wage statistics from BLS OEWS May 2025, exact Wikipedia match, and well-defined skill and knowledge requirements. The large sample size (266,800 employed) and detailed task descriptions provide robust foundation for analysis.
inferred_at          : 2026-06-03T13:35:52.264749+00:00
tokens_input         : 4,596
tokens_output        : 4,271
cost_usd             : $0.046558
wikipedia_used       : True
wikipedia_title      : Financial adviser
wikipedia_note       : The Wikipedia definition aligns closely with O*NET data, confirming these professionals provide financial services based on client situations and require specific training and regulatory registration. The semantic neighbors include related concepts like robo-advisors, financial planners, and professional certifications.

--- PROSE FIELDS ---

ROLE SUMMARY:
Personal Financial Advisors help individuals and families make informed financial decisions by analyzing their complete financial picture and developing comprehensive strategies. They assess clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives to create personalized plans for wealth building, risk management, and long-term financial security. These professionals combine technical financial knowledge with strong interpersonal skills to guide clients through complex investment, tax, and insurance decisions.

DAY IN THE LIFE:
Personal Financial Advisors spend their days interviewing clients to gather detailed financial information, analyzing complex financial data to identify opportunities and risks, and developing customized strategies for meeting clients' objectives. They prepare investment performance reports, review and update client portfolios, and recommend specific financial products like stocks, bonds, mutual funds, or insurance policies. Much of their time involves interpreting complex financial information for clients, answering questions about investment strategies, and maintaining regular contact to monitor changing financial circumstances. They work extensively with computers and financial software to analyze data and manage client accounts.

WHO THRIVES:
Successful Personal Financial Advisors combine strong analytical abilities with exceptional interpersonal skills, as evidenced by the high importance of both analytical work activities and relationship-building capabilities. They must be highly dependable and detail-oriented professionals who can handle the significant responsibility of managing others' financial futures. These individuals thrive on intellectual curiosity and continuous learning, as financial markets and regulations constantly evolve. The combination of Enterprising and Conventional RIASEC traits means they excel at persuading clients while maintaining systematic, methodical approaches to financial planning.

CAREER ENTRY:
Entry into this field typically requires a bachelor's degree, with 57.7% of practitioners holding this credential according to education distribution data. Many professionals enhance their qualifications with post-baccalaureate certificates (23.1%) or master's degrees (11.5%), often in finance, economics, or business administration. Professional certifications like Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA) significantly enhance career prospects and client trust. New advisors often begin in trainee positions at financial services firms, banks, or insurance companies to gain practical experience.

CAREER TRAJECTORY:
Personal Financial Advisors can advance to senior advisor roles, branch management positions, or specialized areas like estate planning or investment management. Many successful advisors build their own practices or join larger financial planning firms as partners. The career path often leads to roles like Financial Managers, Investment Fund Managers, or specialized positions in financial risk management. Some advisors transition into corporate finance roles or become financial consultants for businesses rather than individual clients.

MARKET INTELLIGENCE:
According to BLS OEWS May 2025 data, Personal Financial Advisors earn a median annual salary of $105,070, with the top 10% earning over $357,020 and entry-level positions starting around $50,190. The field employs 266,800 professionals nationwide, with significant geographic wage variation from $63,300 in Mississippi to $166,400 in New York (2.63x ratio). The Finance and Insurance sector dominates employment with 248,380 positions, followed by Professional, Scientific, and Technical Services. Strong demand continues as aging populations require retirement planning and increasing financial complexity drives need for professional guidance. The profession offers excellent earning potential for those who build strong client relationships and develop specialized expertise.

AUTOMATION OUTLOOK:
Personal Financial Advisors face moderate automation pressure, as robo-advisors can handle routine investment recommendations and portfolio rebalancing. However, the high importance of establishing and maintaining interpersonal relationships (importance 4.6, level 5.4) and interpreting complex financial information for clients (importance 4.2, level 4.5) provides significant protection against automation. The advisory relationship, trust-building, and complex problem-solving aspects of financial planning remain fundamentally human-centered activities that resist technological replacement.

--- REASONED EDGES ---
  [skill_overlap] Financial and Investment Analysts (13-2051.00) — confidence:high
    reasoning: Both roles share critical analytical skills in Mathematics (3.6/3.8 importance/level) and Economics and Accounting knowledge (4.1/4.5 importance/level).
    data: Mathematics skill overlap
    data: Economics and Accounting knowledge
    data: Analyzing Data work activity
  [riasec_cluster] Securities, Commodities, and Financial Services Sales Agents (41-3031.00) — confidence:high
    reasoning: Both roles exhibit strong Enterprising traits (E:5.85) with emphasis on persuasion skills and sales/marketing knowledge.
    data: Enterprising RIASEC code
    data: Sales and Marketing knowledge
    data: Persuasion skills
  [task_similarity] Credit Counselors (13-2071.00) — confidence:high
    reasoning: Both roles involve interviewing clients about financial status, analyzing financial information, and providing recommendations for financial improvement.
    data: Interview clients task
    data: Analyze financial information
    data: Customer and Personal Service knowledge
  [career_pathway] Financial Managers (11-3031.00) — confidence:medium
    reasoning: Financial Advisors often advance to management roles given overlapping knowledge in Administration and Management (2.9/4.0 importance/level).
    data: Administration and Management knowledge
    data: Job Zone 4 preparation level
    data: Making Decisions work activity
  [knowledge_overlap] Financial Risk Specialists (13-2054.00) — confidence:high
    reasoning: Both roles require deep Economics and Accounting knowledge (4.1/4.5) and involve analyzing data to assess financial risks and opportunities.
    data: Economics and Accounting knowledge
    data: Analyzing Data work activity
    data: Critical Thinking skills

--- NORMALIZER SIGNALS ---
  match_keywords   : ['financial advisor', 'financial adviser', 'financial planner', 'investment advisor', 'wealth manager', 'financial consultant', 'financial planning', 'certified financial planner']
  exclude_keywords : ['insurance agent', 'loan officer', 'bank teller', 'accountant', 'tax preparer']
  title_patterns   : ['Financial Advisor', 'Financial Adviser', 'Financial Planner', 'Investment Advisor', 'Wealth Manager']
  common_variations: ['CFP', 'CFA', 'personal financial advisor', 'registered investment advisor', 'financial planning consultant', 'investment consultant', 'wealth advisor', 'financial services advisor']

total_terms    : 40
top_words      : ['financial', 'investment', 'clients', 'others', 'tendency', 'advisors', 'planning', 'insurance', 'advisers', 'management', 'services', 'equipment', 'products', 'advice', 'registered', 'adviser', 'planner', 'advisor', 'client', 'under']
source_layers  : onet_tasks | onet_dimensions | dwas | wikipedia | inference

TERM                    COUNT     FREQ  DOMINANT SOURCE      SOURCE BREAKDOWN
──────────────────────────────────────────────────────────────────────────────────────────
financial                 181  0.04027  wikipedia            wikipedia:64%  inference:18%  onet_tasks:9%
investment                 49  0.01090  wikipedia            wikipedia:78%  inference:12%  onet_tasks:8%
clients                    42  0.00934  onet_tasks           onet_tasks:38%  dwas:26%  inference:19%
others                     42  0.00934  onet_dimensions      onet_dimensions:90%  dwas:7%  inference:2%
tendency                   42  0.00934  onet_dimensions      onet_dimensions:100%
advisors                   35  0.00779  wikipedia            wikipedia:66%  inference:31%  onet_tasks:3%
planning                   34  0.00756  wikipedia            wikipedia:53%  onet_tasks:15%  inference:15%
insurance                  33  0.00734  wikipedia            wikipedia:73%  inference:15%  onet_tasks:12%
advisers                   28  0.00623  wikipedia            wikipedia:100%
management                 24  0.00534  wikipedia            wikipedia:50%  onet_dimensions:29%  inference:17%
services                   23  0.00512  wikipedia            wikipedia:57%  onet_dimensions:26%  inference:13%
equipment                  23  0.00512  onet_dimensions      onet_dimensions:100%
products                   22  0.00489  wikipedia            wikipedia:68%  onet_dimensions:23%  onet_tasks:5%
advice                     22  0.00489  wikipedia            wikipedia:91%  onet_dimensions:9%
registered                 22  0.00489  wikipedia            wikipedia:100%
adviser                    20  0.00445  wikipedia            wikipedia:100%
planner                    20  0.00445  wikipedia            wikipedia:95%  inference:5%
advisor                    19  0.00423  wikipedia            wikipedia:89%  onet_tasks:5%  inference:5%
client                     18  0.00400  wikipedia            wikipedia:44%  onet_tasks:28%  inference:28%
under                      17  0.00378  wikipedia            wikipedia:82%  onet_dimensions:18%
personal                   16  0.00356  onet_dimensions      onet_dimensions:38%  inference:38%  wikipedia:19%
principles                 16  0.00356  onet_dimensions      onet_dimensions:100%
securities                 16  0.00356  wikipedia            wikipedia:100%
body                       15  0.00334  onet_dimensions      onet_dimensions:67%  wikipedia:33%
regulatory                 15  0.00334  wikipedia            wikipedia:93%  inference:7%
fiduciary                  15  0.00334  wikipedia            wikipedia:100%
funds                      14  0.00312  wikipedia            wikipedia:64%  onet_tasks:21%  dwas:7%
standards                  14  0.00312  onet_dimensions      onet_dimensions:57%  wikipedia:43%
life                       13  0.00289  wikipedia            wikipedia:77%  onet_tasks:15%  onet_dimensions:8%
includes                   13  0.00289  onet_dimensions      onet_dimensions:92%  wikipedia:8%
broker                     13  0.00289  wikipedia            wikipedia:100%
plans                      12  0.00267  onet_tasks           onet_tasks:58%  onet_dimensions:17%  wikipedia:17%
mutual                     12  0.00267  wikipedia            wikipedia:75%  onet_tasks:8%  onet_dimensions:8%
individuals                12  0.00267  wikipedia            wikipedia:67%  onet_dimensions:17%  inference:17%
control                    12  0.00267  onet_dimensions      onet_dimensions:100%
objects                    12  0.00267  onet_dimensions      onet_dimensions:100%
activities                 12  0.00267  onet_dimensions      onet_dimensions:75%  inference:17%  wikipedia:8%
strategies                 11  0.00245  onet_dimensions      onet_dimensions:36%  onet_tasks:27%  inference:27%
accounts                   11  0.00245  wikipedia            wikipedia:55%  onet_tasks:27%  dwas:9%
human                      11  0.00245  onet_dimensions      onet_dimensions:64%  wikipedia:27%  inference:9%