You did not say what type of adviser you are or what type of compensation arrangement you have. The cost of full service commission based advisers and high fee investments has been documented repeatedly as having a huge cost and negative impact on returns for retail investors.

Technology is changing the investment business just like it is changing industries like journalism, publishing, taxi industry, retail, travel agents and others. The industry and its workers also need to evolve.

The author (John Heinzl) is a well known investor and journalist. His suggestion to learn to invest on your own and consult experts for tax, retirement and estate planning advice is a model that many investors should investigate and could benefit from. I did it and am better off because of it. But it is not nearly as lucrative for advisers, banks and brokers so the industry perpetuates the myth that investing is too hard for most retail investors.