Human Risk Mitigators: A Bibliometric and Thematic Analysis of Financial Advisors in Household Resilience

Maria-Roxana Balea-Stanciu (), Georgiana-Iulia Lazea () and Ovidiu-Constantin Bunget
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Maria-Roxana Balea-Stanciu: Doctoral School of Economics and Business Administration, West University of Timisoara, 300115 Timisoara, Romania
Georgiana-Iulia Lazea: Doctoral School of Economics and Business Administration, West University of Timisoara, 300115 Timisoara, Romania
Ovidiu-Constantin Bunget: Department of Accounting and Audit, Faculty of Economics and Business Administration, West University of Timisoara, 300115 Timisoara, Romania

JRFM, 2025, vol. 18, issue 10, 1-43

Abstract: In the context of rising uncertainty and financial crises, the roles of financial advisors are evolving beyond technical compliance, particularly in household contexts. This article introduces a novel perspective by highlighting how these professionals contribute to resilience and stability at all levels of society by building financial literacy and acting as human barriers against systemic risk. From the datasets retrieved from Web of Science and Scopus, a final curated sample of 102 peer-reviewed articles was retained following thematic refinement and in-depth human filtering. After data harmonisation, a bibliometric analysis was conducted through VOSviewer, identifying five key thematic clusters. Beyond cartographic description, a rigorous thematic exploration was conducted. We advance an interpretive architecture consisting of mechanisms (M1–M4), advice-to-outcome pathways (P1–P3), and a conditional context (Conditions of Success (CS), Failure points (F) and Moderating Factors (MF)), enabling integrative inference and cumulative explanation across an otherwise heterogeneous corpus. Results show that financial advisors mitigate risk by educating clients, guiding decisions, and turning complexity into usable judgment. They also bear risk; as human barriers, they channel and transform these pressures through their professional practice, returning stabilizing effects to households and, by extension, to the wider financial system.

Keywords: financial advisor; accountant; financial literacy; financial risk; financial resilience; household finance; digitalisation in accounting; challenges for accounting; ethics in business and accounting (search for similar items in EconPapers)
JEL-codes: C E F2 F3 G (search for similar items in EconPapers)
Date: 2025
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