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Here's how robots might impact 20 jobs in the (near) future

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When will we have flying cars that turn into briefcases for easier storage, or journey from place to place via a fast pneumatic tube? These inventions — along with many others that we use today, such as iPhone’s FaceTime and the microwave — were part of the popular Space Age cartoon The Jetsons, which aired in the early 1960s. (You can watch a short video documentary about The Jetsons here.) 

What once were farfetched ideas about the future are today common gadgets, used both in our households and workplaces. 

Now, try to imagine what the jobs of the future will be like. Will financial advisors, accountants and other similar careers still exist in 10, 20 or 30 years? Or will technology take over?

We set out to learn more about the future of our professions. Our findings are on the following pages.


Front-line military personnel

We’ve already begun seeing a shift in how warfare is carried out: more unmanned aircraft or drones are taking over the fight. Having an army of robots, like in the Iron Man movies, could become a very real thing in the next few years.

According to an article in Fast Company, the automation of the military will leave many front-line troopers unemployed. Will our future resemble the terrible Cybermen from the TV show Doctor Who? (You can watch a snippet of the BBC sci-fi TV show featuring the Cybermen here.) 

Our opinion: While this job might disappear for some, another opportunity will bloom. Someone will need to control those drones and robots remotely. Maybe the millennial or generation Z video gamers of today are going to be the experts in remote robotic warfare of tomorrow.

See also: 10 best states for military retirees: 2015


Private bankers and wealth managers 

Remember all those articles about robo-advisors taking over the financial industry? These robo-advisors are after the jobs of private bankers and wealth managers. Replaced by complex yet fast algorithms, this career might be on the road to extinction because it mainly revolves around information arbitrage, something that is being easily analyzed by algorithms, says Fast Company.

Our opinion: Slow yer horses there, pardner. While it might be true that jobs that are easily automated are at a higher risk, wealth managers have a chance to enhance their practice with digital tools that will minimize the time to process the information, thus freeing up more face time for their clients. Some companies have already made such digital tools available; one example is Vanguard’s Personal Advisor Services, which integrates both robots and humans to provide “the sophistication of digital advice providers with the personal relationship and judgment of a human advisor,” according to an article published on our sister site, ThinkAdvisor.

Moshe Milevsky, finance professor at the Schulich School of Business at York University, tries to stay away from predicting absolute changes over the next 30 years, but he does acknowledge that the future financial industry may be unrecognizeable to today’s financial advisors: “A financial advisor may be a social worker 30 years from now. A financial advisor may be a gerontologist 30 years from now. They may be a life coach. They may be doing things other than managing their money, because that’s all going to be done by robo-advisors and online platforms,” he told ThinkAdvisor recently.

See also: Billionaires are graying, signaling end of gilded age


Lawyers, accountants and actuaries 

Fast Company predicts that all of these professions will disappear because their jobs deal mostly with information, which could be collected by machines.

Earlier this month, NPR examined this same issue, publishing a handy calculator to determine which jobs are on the way out, which will remain and which will be a human-robot hybrid. If you look up lawyer, NPR says that the profession has just a 3.5 percent chance of being automated. If you look up paralegals and legal assistants, the calculator says that these roles have a 94.5 percent chance of being automated. Why? NPR looked at categories like level of creativity, negotiation and helping others. The higher a job scored in these categories, the less likely it was to be automated.

For accountants, NPR’s calculator agrees with Fast Company’s forecast, citing a 93.5 percent chance that this job will be taken over by machines.

The fate of actuaries seems to be rather hopeful, with only a 20.6 percent chance of being computerized, according to NPR. Forbes agrees with NPR’s forecast, according to this article published in 2013, which states that actuaries will become one of the highest-paying jobs of the future.

Our opinion: The NPR calculator points to a growing trend: If the career in question focuses more on hard data and less on human-to-human interaction or creative problem-solving, it is more likely that said job will be automated or become a hybrid of humans and robots. Actuaries represent a gray area between these two extremes, being a data-focused job that requires a great deal of creativity.

See also: 7 more great accountant jokes


Insurance sales agents

According to the NPR calculator, insurance sales agents don’t fare very well in the future, with a 91.9 percent chance that their jobs will be automated. With a growth in Internet insurance sales and digital-only companies, plus the fact that one of the markets most in need of insurance is up-and-coming millennials, who like to research and buy online, this statistic may seem reasonable — at first glance. 

Our opinion: Agents who don’t take advantage of the technological advances that allow them to sell the way clients want to buy may have a steep road ahead. But the diagnosis fails to acknowledge a) the creativity that is required in any holistic insurance sale and b) the human interaction that is necessary to close a sale that few consumers are truly eager to make. In 10 or twenty years, agents may no longer go door-to-door to sell insurance, but the need for insurance sales advice will not go away. In fact, this need continues to grow right alongside our impending retirement crisis and the gap between coverage need and coverage placement. 

Prospects may be going online to look for quotes, but this is not an industry-sinking threat. There is still an opportunity for sales agents to offer a genuine and personalized service offline.

Moreover, clients looking for insurance are also looking for reassurance as they address some very difficult issues, which is why developing good relationships with your clients is irreplaceable. Maribeth Kuzmeski, a regular contributor to LifeHealthPro, alludes to this when she says that being a good listener shows that you value prospects. Computers can hear us, but are they capable of truly listening to us? Point: humans.

See also: Insurance industry adds 13,900 jobs in January and How the life insurance industry’s chief champion reached 611M prospects in a single year.

business coach

Personal worker brand coaches, “personal tribers” and managers

After the 2008 economic crisis, many people were unemployed, with a need to reinvent themselves. As a result, today we see a robust freelance population comprised of workers who offer specific services to businesses and executives.

For these workers, projects come and go. But we see many freelancers making it work, with flexible schedules and ironclad disciplines. Perhaps this is why Fast Company predicts that the trend isn’t going anywhere. In fact, it may very well become the norm even for full-time employees, who could potentially be assigned to specific projects, perhaps offsite via telecommuting.

Fast Company says that because freelancers rely on marketing and branding to gain work themselves, people who have the ability to teach these skills will be more in demand.

And here arises another job opportunity, according to Fast Company: the “personal triber.” This person is basically a herder, director or leader of sorts that brings together all the freelancers needed for a specific project. A project manager on steroids, if you will. 

NPR’s calculator agrees with Fast Company’s forecast for managers, assigning a very low risk of automation (less than 7 percent in some cases!) to the positions listed under the management category.

Our opinion: Managers will keep managing as long as there are people to manage. This is a job that scores off the charts in the human-to-human interaction component. Can you imagine being managed by a robot?


In health care: doctors, nurses, physical therapists, home health care aids or senior caregivers, pharmacists, remote health care assistants, epidemiologists …

Because lifespans continue to increase and baby boomers continue to age, it is logical that fields related to health care are going to be in high demand in the coming years. Taking into account what technology and wearables are doing to the health industry, it’s also no surprise that digitally-savvy people with solid health care experience are going to be sought after.

And, after last year’s Ebola scare, epidemiologists also rank near the top of the list of jobs that will have a higher demand.

The Bureau of Labor Statistics agrees with this forecast, assigning a 2.6 percent annual growth rate to the health care and social assistance category, tied with construction for the highest placement on the list.

Within the larger health and wellness industry, the only profession that NPR predicts is going to be a hybrid of humans and robots is massage therapists, who have a 54 percent chance of being automated.

Our opinion: We agree. All sources point to an increased demand for every type of health care worker due to the aging population.

old dj

End-of-life planning

You may be thinking, “What is going on in the photo above?” but this could very well be the future for some. Instead of planning for their funeral, people may start planning “celebration of life” parties, comedy roasts or an “end-of-life/going away” event as life expectancy keeps increasing. And that’s when end-of-life planners will be a needed resource, says Fast Company, who predicts this is another career that will grow in demand. 

According to the World Health Organization, 63 percent of the global population will be over the age of 65 — some past 100 — by the year 2025. Fast Company cites this statistic as the main reason why end-of-life planner will become the hottest career of the next decade. This up-and-coming career will morph into something of a cross between an event planner and a euthanasia guide. 

Our opinion: Advisors and clients alike know that with life comes death (it’s the only certainty aside from taxes, after all). This is why many advisors are already having the “death conversation” with their clients.

And, as one of our contributors here at LifeHealthPro, Christopher P. Hill, wrote: “What could be more rewarding than helping families minimize or eliminate some of the most difficult emotional and financial challenges during one of the worst days of their lives in a situation where they are uncomfortable, unfamiliar, and unprepared?”

See also: Why advisors are really death planners


Financial analysts and NPR’s automation calculator agree that financial analysts will continue to trend well in the next few years. But NPR makes a point to distinguish which jobs will survive. While careers such as credit analysts, tax preparers, loan officers, budget analysts and even accountants and auditors may see their work completely automated — all of these careers got an automation score of higher than 90 percent — there are some areas that are going to become a hybrid of humans and robots, and others that won’t be automated at all. These include: market research analysts, financial analysts, financial examiners and credit counselors.

Our opinion: says that, “Unsettled economic times have demonstrated a need for sound financial advice and planning, for both individuals and businesses,” and we heartily agree. Though social media and other new technology have already begun to reshape the traditional role of the financial advisor, there are many advisors who will continue to thrive if they know how to show their value to their clients and build loyalty.

Other jobs that will make it:

Computer programmers, web developers, information security analysts, software developers, computer systems analysts, freelance professors, urban farmers, smart-home repairers, virtual reality experience designers, and 3D printer design specialists.

See also:

13 occupations with worse aging problems than insurance agents

Meet the life insurance startup that lets clients buy in real time

AALU speaker: Watch for these 15 changes come 2020

Sources:, Fast Company, Bureau of Labor Statistics, Forbes, NPR


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