If you’re an independent advisor, it can feel like you’re fighting a two-front war:

• Mega RIAs win on brand recognition, scale, and shiny resources.
• Robo-advisors win on “good enough” portfolios, low cost, and convenience.

But here’s the thing: most investors don’t wake up wanting an algorithm or a national call center. They want confidence, clarity, and a trusted relationship. Especially when life gets messy or markets get loud.