What if five years from now robo-advisors are a thing of the past? That would seem counter-intuitive given the current trend and the enthusiasm for it, with technology accelerating as quickly as the many startups competing in FinTech and related verticals, and as the industry for robo-advisors is still in the very early stages of development. How then, could the future of automated financial advice be further transformed, taking on a different dimension that makes the current approach obsolete? By 2020, the market for machine learning will reach 40 billion, according to market research firm IDC. Combine that with the potential for more than 20% of financial services companies to be at risk of losing business to FinTech firms by 2020, according to a recent PricewaterhouseCoopers (PWC) report from earlier this month, and a change in the landscape may be underway, accelerating as approaches to technology cause industries to converge.