Around the world, from the most established entities with billions behind them down to dorm-room entrepreneurs on a shoestring, there are forces at work trying to disrupt banking, advisory and asset management. Reinventing how money is saved, borrowed, safeguarded and invested has been a draw for visionaries hell-bent on figuring out with certainty how money is made. The wealth management breakthroughs owing to the toil of the disrupter crowd over the past few years -- coupled with rapidly escalating artificial intelligence (AI) achievements at large that can be built upon -- will in the next decade bring dynamic changes to the industry. So that no one ever has to say "wow, didn't see that coming," let's engage in some logical speculation to assess what the 2020s might bring: Even as the largest players (banks and wirehouses) are building programs to deliver premium personal touch services, the new breed of younger clients are going to demand all sorts of tools and features, free, easy and on their phones. The best business models of the future will combine humans and machines, but along the way, do expect new applications to redefine what is possible for self-directed individual investors to be able to accomplish.