So, the writer believes that "People planning for retirement need to consider whether they are content with obtaining recommendations about their future based on mathematical formulas from a computer or whether they prefer an individualised, personal recommendation,"

"It's hard to replace having the ability to talk to someone face to face, discuss your dreams and aspirations and have someone recommend a personalised retirement plan that is specific to your needs."

So if you do not use mathematical formulas to create wealth, what do you use to create these formulae: a magic 8 ball?

Any adviser who does not embrace RoBo will be left out in the cold IMHO as personalize advice within the digital space is already here.

The game won't change, just the way it is interacted with and viewed - get on board while the ticket price is low I say.

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