Technology has a habit of creeping up behind you and kicking you in the backside when you least expect it - just look at Kodak or Blockbuster or talk to any black cab driver.

Companies in regulated industries are particularly liable to disruption from technology and some are saying that IFAs and Financial Advisers will soon have their own Uber moment.

I have a lot of respect for Yvonne Goodwin who is mentioned in this article, because she has a very clear sense of direction and the value that she and her firm offers.  Others too like Tina Weeks at Serenity Financial Planning in London are working hard to differentiate themselves in the financial planning world, whilst keeping a very open mind as to potential markets for an online 'Robo' service.

One thing is for certain, there isn't a single financial advice firm in the UK (or anywhere in the world for that matter) who can put their hand on their heart and say that 'financial advice can ONLY be given face to face'.  And believe me, many have told me that.

Check out Serenity at www.serenityfp.com