Maybe it is generational, but as a millennial, albeit an old one at 34-years-old, I view the relationship between robo advisers and human advisers as similar to the relationship between autopilot technology and commercial pilots — yes, autopilot technology is a great tool to assist the captain, but I am not getting on a plane flown solely by a machine. Robo advisers represent a similar, potentially complementary relationship, for thoughtful planners.

Embracing robo adviser technology will make you more efficient and may increase your ability to deliver more disciplined solutions to clients. This technology will not, however, replace the need for you entirely.

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