Develop financial plans for clients
Most of the output can be produced by software today.
Producing the draft is the single thing current models are best at, and it needs no integration at all: a prompt and a couple of reference documents are enough. A person still edits it and takes responsibility for what goes out.
| How automatable | Mostly automatable |
|---|---|
| Kind of work | Drafting and content production |
| Jobs that do it | 4 occupations |
| Tool categories that apply | Generalist agents, Builders |
| O*NET activity | Thinking Creatively (4.A.2.b.2) |
What this looks like on the job
Not our paraphrase. These are real task statements recorded against this activity, spread across the 4 occupations that perform it.
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
- Work with clients to identify their financial goals and to find ways of reaching those goals.
- Determine appropriate methods of debt settlement, such as offers of compromise, wage garnishment, or seizure and sale of property.
- Answer questions and provide future tax planning to clients.
- Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.
- Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
- Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
- Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
What we would actually use
One recommendation rather than a shortlist, because a shortlist is just your problem handed back. This is what we would buy for drafting and content production, and what it costs.
Drafting needs no tools, no integration and no platform. One $20 assistant and two reference documents beat any agent builder here, and every extra thing in this stack is cost with nothing behind it.
Chosen for the cheapest thing that does the job, not the best funded. Nothing on this site is sponsored, and the full landscape is there when you want to disagree with us.
The rest of the category
Context, not alternatives to weigh up. We name the layer rather than promise a named product does your specific task.
Generalist agents
Matched from the kind of work, not from vendor marketing. Check any of them can reach the system your records actually live in — that connection, not the model, is where these projects stall.
How people actually do it
No workflow names this activity yet, but these automate the same kind of work, with the prompts to paste and what to keep for yourself.
Who does this work
4 occupations in the O*NET database perform this activity. Each one has a full breakdown of its other tasks.
Work that goes with it
O*NET groups these under “Develop financial or business plans”. In practice they tend to be done by the same person, in the same sitting.
| Activity | Jobs |
|---|---|
| Develop financial or business plans | 7 |
Method. The activity, its taxonomy placement and the occupations that perform it come straight from the public-domain O*NET 30.3 database. The automatability band is ours: we map each of O*NET’s 41 generalized work activities to how much of its output current software can produce, assuming a person still reviews and owns the result. It is a coarse three-way judgment on purpose. A precise-looking percentage here would be invented.