Same Person, Different Advice: Auditing LLM Financial Advice with Repeated Risk-Tolerance Responses
Factual evidence
What the source reports
Research shows 41% of US households shift stated risk tolerance over time, leading LLM advisers to produce inconsistent stock advice.
Inspect the evidence
- Inclusion basis
- Enterprise AI
- Publisher and source type
- arXiv cs.CL — Computation and Language · RESEARCH
- Published by source
- 19 October 2026
- Collected by OneBench
- 20 Oct 2026, 03:01 UK
Stored source excerpt
arXiv:2610.23060v1 Announce Type: new Abstract: AI financial advisers set a client's stock allocation largely from one stated-risk question, yet people do not answer it the…
Short excerpt from the collected text, not the full source. Use the source link to read it in context.
The factual summary is a OneBench synthesis, not a quotation or independent verification. Collection time is not publication time. Open the source for its full context; related reporting can share the same underlying announcement.
OneBench interpretation
Institutional assessment
So what
Directly mapping static risk tolerance surveys to LLM investment advice creates significant suitability risk as customer responses naturally drift.
Do what
Review wealth management AI advice models to ensure suitability controls account for temporal variance in customer risk tolerance inputs.