Progressive advisers will use tech to work more directly with clients continued from p.30 age you to stick to your long-term plan and not panic and sell investments at a loss? Could a machine have told you the same thing? The financial industry will evolve and ultimately individual investors will be better served. Technology will play its role. Regulatory requirements of full disclosure of fees, conflicts of interest and investment performance will continue. There will be fewer investment advisers a decade from now. Improved disclosure will make it harder for less skilled advisers to justify their continued existence. A more informed client will be more demanding. The more progressive advisers will continue to use technological advancements so they can spend more time working directly with clients and less time with what can be done by technology. Increased efficiencies will result in better advisers taking on more clients. Better technology does also provide you with better tools to fire your investment adviser. There are many changes in the financial services industry. It puts pressure on investment advisers to do a better job and ensure you are able to select the best adviser or make the decision to self-manage your own investments. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 31 | Thursday, September 11, 2014 | OAKVILLE BEAVER | www.insideHALTON.com For the latest news and in-depth coverage of events, visit the Oakville Beaver online at oakvillebeaver.com/insidehalton.com Day, Evening and Weekend Classes 4.4 cu.ft. 7.4 cu.ft. Performing and Visual Arts School Beginner to Advanced · Ages 3 yrs to Adult Register Now for Fall $ A P P R E C I A T I O N E V E N T $ 10 $ $ 599 H.E.WASHER #85993 998 PAIR PRICE #906652 400 $ 499 10 DRYER $ #85994 · Art In Mixed Media, Oils and Watercolours · Music in All Instruments · Voice, RCM Music Exams · Drama · Musical Theatre · DANCE · Ballet · Pointe · Contemporary · Modern · Irish · Lyrical · Jazz · Hip Hop · Tap · Latin · Acro · Stretch and Strength · Cardio · Fitness Training MARCH BREAK & SUMMER CAMPS Small Class Sizes · Camera Viewing of All Studios · Family-Focused Scheduling · Annual Musical Productions · Specialty Workshops · Adaptive Wash technology · AccuDryTM Sensor Drying · Precision Dispense · Wrinkle ShieldTM Option VIEW OUR FLYER & ALL BAD BOY LOCATIONS ONLINE @ BADBOY.CA STUDIO PAVAS 905-403-9435 1-2301 Royal Windsor Dr., Mississauga www.studiopavas.com info@studiopavas.com WIN bread TM for a Visit dorvalcrossing.com to Enter. from Panera Bread* year We have lots to fall for There's lots to love about Fall - the changing colours, the fresh, crisp air and our great selection of the season's must haves. Explore over 60 shops and services and enjoy the best of Fall. Over 60 Shops & Services located at the QEW & Dorval Drive Visit dorvalcrossing.com for more information PROUDLY MANAGED BY