While the machine may never completely replace the flesh-and-blood financial advisor, it will force you to narrow your focus and lower your fees.

Either buying, or building, a compliance reporting tool.

"The tradional brokerage business is, by all appearances, on its way out." 

As financial advisor ratings websites like BrightScope and Advice IQ proliferate, advisors are going to have to get comfortable with having their records a click away from clients and prospects.

The new tools aren't winning business the way they used to.

For developers of retirement calculators, it’s something of a Holy Grail: a system that not only helps investors figure out how much they’ll need in their golden years, but adequately factors in health care costs as part of the daunting calcul...