id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3390	Fulk, Martha; Grable, John E.; Watkins, Kimberly; Kruger, Michelle	Who uses robo-advisory services, and who does not?	2018	16	.pdf	application/pdf	7893	350	52	Sadly, it takes existing financial capacity to pay for financial planning services, which makes it likely that the profile of those who use traditional financial planning services, as described in this paper, must exist before a financial planning engagement. Given the demand for financial planning services and the limited supply of traditional financial planners, consumers with limited resources may, by default, be pushed toward the use of robo-advisory services, even if a personal relationship is desired.	cache/fsr-3390.pdf	txt/fsr-3390.txt