The Advisor Is Dead. Long Live the Algorithm.

For decades, investing meant finding a financial advisor—someone who’d help you pick stocks, build a portfolio, and hopefully grow your wealth.

But that model? It’s fading.

The new era of investing doesn’t start with a handshake at a country club.

It starts with automation.

The traditional financial advisor model is losing ground, especially with younger, tech-savvy investors. Why? Because automated investment platforms are:

• Cheaper

• More transparent

• Performance-driven

• Easier to access

• Built for scale

Welcome to the era of modern investment management—where algorithms, data, and automation are driving returns without the overhead.

Why Investors Are Turning Away from Traditional Financial Advisors

Financial advisors aren’t going extinct overnight. But they are losing relevance in the eyes of investors who demand more control, lower fees, and greater transparency.

Let’s look at the friction points:

High Fees with Murky Value

Most advisors still charge a 1% AUM fee, which may not seem like much—until you realize it could cost you hundreds of thousands over 30 years. And for what? Often, portfolios that underperform a simple index fund.

Lack of Transparency

Many clients have no idea what strategy their advisor is actually using. The advice often boils down to:

“Just trust me. I’ve got it handled."

That doesn’t fly anymore. Investors want receipts. They want logic. They want track records.

Limited Tech Integration

While the world has moved on to instant access and mobile-first platforms, many advisors are still running client portfolios from Excel sheets or legacy CRMs.

A 2023 Accenture report found that 67% of millennials prefer a digital-first investing experience. And Gen Z? Even higher.

The Rise of Automated Investing Platforms

Automated investing isn’t new—but it’s never been this powerful or accessible.

Platforms like Surmount are bringing Wall Street-level automation to Main Street investors. That means real strategies—built by real quants, backtested, and automatically executed—without needing to build your own infrastructure or hire a fund manager.

Here’s how it works:

Data-Backed Portfolios

Investors can choose from a curated marketplace of automated strategies—each with clear rules, logic, and performance history.

Algorithmic Execution

No human bias. No emotional trades. Just smart systems executing proven rules, all day, every day.

Total Control

Investors stay in full control of their brokerage accounts. Surmount simply acts as the engine underneath, automating what would otherwise take hours or costly professional help.

Transparency Over Talk

Legacy advisors often operate like black boxes.

Surmount flips that script.

Each portfolio strategy on Surmount is:

• Fully transparent in its logic and risk profile

• Backtested for historical performance

• Monitored for market impact and capacity to prevent alpha decay

• Accessible—even for investors starting with $100, not $1,000,000

You don’t have to blindly trust anyone. You can see the rules. You can track results. You stay in control.

Are Financial Advisors Becoming Obsolete?

Financial advisors aren’t dead. But the parts of their role that revolve around managing portfolios? That’s becoming a commodity.

Here’s the new breakdown:

Advisors who evolve—who embrace platforms like Surmount—will thrive.

Those who don’t? They risk becoming irrelevant in a rapidly shifting financial landscape.

The Future: Strategy + Automation + Access

Modern investing isn’t about having “a guy.” It’s about having a system—a battle-tested, rules-based strategy that works harder than any single person can.

With Surmount, investors get:

• Automated portfolio execution

• Transparent investment logic

• Custom strategy marketplaces

• Direct integration with existing brokerage accounts

• Affordability for all levels of wealth

You shouldn’t need a $500,000 minimum or an inside connection to invest like the pros.

Ready to Ditch the Old Model?

If you’re tired of the traditional advisor pitch…

If you’re ready to modernize how you manage money…

If you want your investments to run on data, not guesswork…

It’s time to go automated.

Start here: https://surmount.ai/strategies

Disclaimer: The information presented is for educational purposes only and not an offer or solicitation for any specific investments. Investments involve risk and are not guaranteed. Consult with a financial adviser before making any investment decisions. Past performance does not guarantee future results.