The unstoppable pace of technology innovation and market competition could put you out of business unless you take steps today to add value far above and beyond traditional investment management. Robo advisors, Vanguard's Personal Advisor Services, and Schwab Intelligent Portfolios are just a few of the firms who are transforming the delivery of financial advice. And these firms have bigger brands, huge resources, and offer their services at a fraction of the cost when compared to traditional financial advisors. So here's the deal–financial advisors who want to remain relevant for years to come, who want to maintain their profit margins, and who want to offer services that clients are willing to pay dearly for, will need to completely rethink the services and type of advice they offer. Today's show with guests Alan Spector and Keith Lawrence discusses retirement coaching as one possible advice area where advisors can add value to fend off competitive attacks.