The study suggested that blended digital advisor models may offer strongest path for firms seeking deeper client engagement.

The demand for human financial advice remains strong even as investors increase their use of online tools, Cerulli Associates noted in its  latest Cerulli Edge – US Advisor Edition report. Many  remain   reluctant to depend solely on   online- only   advisory services The study also found that investors continue to rely on formal advice despite improvements in digital financial management platforms. The research highlighted that although online tools help