"We trust that you will avoid using harsh language and will refrain from making unsubstantiated allegations against individuals and firms. Your constructive feedback and opinions are very valuable to all of us in the industry. "
The best way to fight against Direct Plan and Robo Advisory develop your own Mechanism which is better than traditional mechanisms which are available in DIY(DO IT YOURSELF) model through direct plan. If you are providing services through traditional tools sooner or later client will think over switching to direct . Innovate your own business process or hire some one else for it. In above case also you have seen what steps were taken to face the situations. She started innovating with new products like granola. Only changing the wrapper is not the permanent solution in advisory returns are major factor Direct Plan have advantage for this. You should develop you business model to generate more return than direct plan and also keep in mind that your process should be unique which can not be run in DIY.