That doesn't mean there are not good options available today for individuals who want help, however. Using technology-based platforms, a new generation of firms is now offering retirement investment advice to clients all across the income spectrum for very modest fees. They include Wealthfront, and our firm, Rebalance IRA, among others. This new generation of tech-driven advisory services is finding ways for retirement savers to lower their investment costs. By harnessing efficient modern technology to cut costs by over 50 percent, it is possible to do the right thing by clients and still run a profitable company.