We asked 8 top wealth management execs to predict the future of human advice, roboadvisers, and fees. Here are their full responses to our survey.

By 2030, consumers will be using a platform that not only intelligently manages their investments, but also incorporates their ongoing cash management into their advice and automation. You won't have to think about how much money you should keep in your checking or savings accounts. You shouldn't have to think about which account to pay your bills out of. We'll automate your entire financial life so you can spend more of your time doing the things that actually make you happy. As a result, we would expect to see things like budgeting tools and programs phased out.