I wonder what this really means.

When it comes to robo-advice being a threat, apparently 35% of advisers are concerned - suggesting that 65% aren't.

It's still early days, but of the majority that don't appear to be concerned, it could be for a couple of reasons.  Either they are extremely confident that their current face to face proposition is robust and will weather the approaching storm (and it is a storm), or perhaps they haven't even thought about it yet.

Our own research at LifeTalk suggests the latter - plus one other reason - they have their heads buried in the sand.

In talking to hundreds of advisers, time and time again they tell us "It won't happen - clients won't be able to get proper advice unless they meet us face to face."  Indeed, many of these advisers are senior and respected people who I know, like and trust.

The ones that have their fingers on the pulse are those that strike a balance, realising that many people will want face to face advice, whilst many others will prefer to use online tools. 

Whatever happens, ignoring this issue simply isn't an option for advisers and brokers.  Technology has a habit of creeping up behind you and kicking you in the backside when you least expect it - just look at Kodak and a wealth of others whose industries have been, and are being disrupted.

Fortunately I am increasingly meeting advisers who will offer both online and offline services.  They have embraced the fact that change is coming and they are taking steps to learn everything they can about robo and other online services and how best they can be integrated into their propositions.