It sounds like the standard progression in your HS for students seeking rigor has three social science courses at the AP level, including two years of history at the AP level. That ought to fulfill requirements for most colleges, including most selective colleges, although some will want to see more history.
There’s a recent thread here that discusses the specific requirements for history and social sciences at some highly selective colleges; you might want to check it out: Confused about recommended units in HS for History and Social Studies
Economics is frequently considered to be included in “social sciences” (although the Calfornia UC/CSU system considers it an “elective”). Personal finance isn’t normally included in that category. But even without including the personal finance class, it sounds like your HS schedule would be extensive and rigorous enough for most colleges’ requirements. The advisors are correct that the student should also check to see if a college has additional or different requirements. (And there’s always the question of how much it may help to go above and beyond the stated requirements, too…)