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Raw technology without the simplifying context of an expert authenticated investment process can not achieve continuous, comprehensive counsel required for professional standing in the fulfillment of the advisors fiduciary duty. All the technology cited has merit and performs an important task but until it is integrated into an easy to use process in support of expert fiduciary duty, the advisor is put in an awkward position of having to understand the holes and how to fill them. The free market will evolve such a system because it is in the consumer’s and advisors best interest. 90% of the value added is achieved in the last 10% of the innovation essential to serve the best interests of the investing public.

Important technologies are cited here but the executing them in a usable expert system is beyond the scope of the typical advisors experience and beyond appetite of custodians and broker/dealers who fear being prescriptive in their advisory services support because by extension they assume fiduciary liability for the advisors who use their services. A new type of advisory institution must emerge to assume market leadership in advisory services.

SCW
Stephen Winks

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