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Strengthening Financial Workforce Competitiveness: A Curricular Framework for Integrating Agentic AI into US Financial Planning Education

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Title: Strengthening Financial Workforce Competitiveness: A Curricular Framework for Integrating Agentic AI into US Financial Planning Education
Language: English
Authors: Satyadhar Joshi (ORCID 0009-0002-6011-5080)
Source: Online Submission. 2026.
Peer Reviewed: N
Page Count: 16
Publication Date: 2026
Document Type: Reports - Evaluative
Education Level: Higher Education
Postsecondary Education
Descriptors: Financial Education, Money Management, Artificial Intelligence, Technology Uses in Education, Business Education, College Students, Portfolios (Background Materials), Digital Literacy, Competency Based Education, Governance, Labor Force Development, Job Training, Retraining, Educational Technology, Ethical Instruction, Job Placement, Dislocated Workers
Abstract: The financial planning and investment management profession is undergoing a radical transformation driven by Generative AI (GenAI) and Agentic AI, creating urgent workforce displacement challenges that require coordinated government policy intervention alongside educational reform. This paper presents a comprehensive framework addressing both curricular modernization and policy responses to offshore outsourcing, permanent job loss, and structural changes in the financial workforce. We propose a multi-layered integration strategy for higher education encompassing: 1) Foundational AI literacy modules for all business students; 2) A specialized "Agentic Financial Planning" course with hands-on labs; 3) AI-augmented redesign of core courses (Investments, Portfolio Management, Ethics); 4) Interdisciplinary project-based learning with Computer Science; and 5) A governance and policy module addressing regulatory compliance (NIST AI RMF, SEC regulations). Beyond curriculum, we develop a comprehensive government policy framework including: 1) Federal AI literacy mandates for post-secondary business education; 2) Department of Labor workforce retraining programs with income support for displaced financial professionals; 3) SEC and Treasury regulatory innovations creating market incentives for workforce development; 4) State-level workforce partnerships implementing regional transition support; and 5) Enhanced social safety nets for workers navigating career transitions during the estimated 5-15 year transformation period. Drawing on analysis of agentic investment firm operational models demonstrating 50-70% cost reductions while maintaining fiduciary standards, we establish the economic inevitability of technological transformation and the critical urgency of proactive intervention. The framework provides a roadmap for coordinated response across educational institutions, government agencies, and industry to ensure US workforce resilience and domestic leadership in the emerging agentic finance era.
Abstractor: As Provided
Entry Date: 2026
Accession Number: ED678972
Database: ERIC
FullText Text:
  Availability: 0
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  – Url: https://eric.ed.gov/contentdelivery/servlet/ERICServlet?accno=ED678972
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PubType: Report
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  Data: Strengthening Financial Workforce Competitiveness: A Curricular Framework for Integrating Agentic AI into US Financial Planning Education
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  Data: English
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  Data: <searchLink fieldCode="AR" term="%22Satyadhar+Joshi%22">Satyadhar Joshi</searchLink> (ORCID <externalLink term="https://orcid.org/0009-0002-6011-5080">0009-0002-6011-5080</externalLink>)
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  Data: <searchLink fieldCode="SO" term="%22Online+Submission%22"><i>Online Submission</i></searchLink>. 2026.
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  Data: N
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  Data: 16
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  Data: 2026
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  Data: <searchLink fieldCode="EL" term="%22Higher+Education%22">Higher Education</searchLink><br /><searchLink fieldCode="EL" term="%22Postsecondary+Education%22">Postsecondary Education</searchLink>
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  Data: <searchLink fieldCode="DE" term="%22Financial+Education%22">Financial Education</searchLink><br /><searchLink fieldCode="DE" term="%22Money+Management%22">Money Management</searchLink><br /><searchLink fieldCode="DE" term="%22Artificial+Intelligence%22">Artificial Intelligence</searchLink><br /><searchLink fieldCode="DE" term="%22Technology+Uses+in+Education%22">Technology Uses in Education</searchLink><br /><searchLink fieldCode="DE" term="%22Business+Education%22">Business Education</searchLink><br /><searchLink fieldCode="DE" term="%22College+Students%22">College Students</searchLink><br /><searchLink fieldCode="DE" term="%22Portfolios+%28Background+Materials%29%22">Portfolios (Background Materials)</searchLink><br /><searchLink fieldCode="DE" term="%22Digital+Literacy%22">Digital Literacy</searchLink><br /><searchLink fieldCode="DE" term="%22Competency+Based+Education%22">Competency Based Education</searchLink><br /><searchLink fieldCode="DE" term="%22Governance%22">Governance</searchLink><br /><searchLink fieldCode="DE" term="%22Labor+Force+Development%22">Labor Force Development</searchLink><br /><searchLink fieldCode="DE" term="%22Job+Training%22">Job Training</searchLink><br /><searchLink fieldCode="DE" term="%22Retraining%22">Retraining</searchLink><br /><searchLink fieldCode="DE" term="%22Educational+Technology%22">Educational Technology</searchLink><br /><searchLink fieldCode="DE" term="%22Ethical+Instruction%22">Ethical Instruction</searchLink><br /><searchLink fieldCode="DE" term="%22Job+Placement%22">Job Placement</searchLink><br /><searchLink fieldCode="DE" term="%22Dislocated+Workers%22">Dislocated Workers</searchLink>
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  Label: Abstract
  Group: Ab
  Data: The financial planning and investment management profession is undergoing a radical transformation driven by Generative AI (GenAI) and Agentic AI, creating urgent workforce displacement challenges that require coordinated government policy intervention alongside educational reform. This paper presents a comprehensive framework addressing both curricular modernization and policy responses to offshore outsourcing, permanent job loss, and structural changes in the financial workforce. We propose a multi-layered integration strategy for higher education encompassing: 1) Foundational AI literacy modules for all business students; 2) A specialized "Agentic Financial Planning" course with hands-on labs; 3) AI-augmented redesign of core courses (Investments, Portfolio Management, Ethics); 4) Interdisciplinary project-based learning with Computer Science; and 5) A governance and policy module addressing regulatory compliance (NIST AI RMF, SEC regulations). Beyond curriculum, we develop a comprehensive government policy framework including: 1) Federal AI literacy mandates for post-secondary business education; 2) Department of Labor workforce retraining programs with income support for displaced financial professionals; 3) SEC and Treasury regulatory innovations creating market incentives for workforce development; 4) State-level workforce partnerships implementing regional transition support; and 5) Enhanced social safety nets for workers navigating career transitions during the estimated 5-15 year transformation period. Drawing on analysis of agentic investment firm operational models demonstrating 50-70% cost reductions while maintaining fiduciary standards, we establish the economic inevitability of technological transformation and the critical urgency of proactive intervention. The framework provides a roadmap for coordinated response across educational institutions, government agencies, and industry to ensure US workforce resilience and domestic leadership in the emerging agentic finance era.
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  Data: As Provided
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  Data: 2026
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  Data: ED678972
PLink https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=eric&AN=ED678972
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      – Text: English
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      Pagination:
        PageCount: 16
    Subjects:
      – SubjectFull: Financial Education
        Type: general
      – SubjectFull: Money Management
        Type: general
      – SubjectFull: Artificial Intelligence
        Type: general
      – SubjectFull: Technology Uses in Education
        Type: general
      – SubjectFull: Business Education
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      – SubjectFull: College Students
        Type: general
      – SubjectFull: Portfolios (Background Materials)
        Type: general
      – SubjectFull: Digital Literacy
        Type: general
      – SubjectFull: Competency Based Education
        Type: general
      – SubjectFull: Governance
        Type: general
      – SubjectFull: Labor Force Development
        Type: general
      – SubjectFull: Job Training
        Type: general
      – SubjectFull: Retraining
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      – SubjectFull: Educational Technology
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      – SubjectFull: Ethical Instruction
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      – SubjectFull: Job Placement
        Type: general
      – SubjectFull: Dislocated Workers
        Type: general
    Titles:
      – TitleFull: Strengthening Financial Workforce Competitiveness: A Curricular Framework for Integrating Agentic AI into US Financial Planning Education
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              Type: published
              Y: 2026
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            – TitleFull: Online Submission
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