Same Person, Different Advice: Auditing LLM Financial Advice with Repeated Risk-Tolerance Responses
AI financial advisers set a client's stock allocation largely from one stated-risk question, yet people do not answer it the same way twice: in a national US panel, 41% of households chose a different answer two years later, and in a laboratory retest a third of people moved two or more points on a 0-10 scale after six months. Seven large language models from five providers gave one-turn allocation advice for 800 real household profiles in which only the risk answer changed. The recommended stock share moved by 10 to 16 percentage points on average, and by 24 to 35 when the answer changed, against 0.6 to 4.2 points for the same prompt asked twice; in the laboratory retest the rating alone...
| Authors | Soovadeep Bakshi, Apurba Bose, Aishwarya Bose et al. |
|---|---|
| Primary category | cs.CL |
| Published | 16 October 2026 |
| Last updated at source | 16 October 2026 |
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