The times have changed, and technology is a big contributor. For financial advisors, this first took shape as a “robo-advisor.” Often seen as the enemy if seen at all, digital advice is gaining traction as a tool for the forward-looking advisor. The demographics favor these early adopters. While boomers may still prefer a personal touch, they are now outnumbered by millennials, a cohort that prefers a do-it-yourself approach most readily accommodated through technology. These new tools are poised to change the industry, and make the digital advisor more ready to adapt to clients’ changing needs.