Baker's advice for ditching your existing planner: Just be honest. It is likely that some negative event has caused you to look elsewhere - subpar returns, maybe, or a general lack of communication - and it could be something you can talk through and resolve.

In fact, thanks to technological advances, you may not have to break up at all. Many firms, like Vanguard (http://vanguard.com) and Charles Schwab Corp , are gravitating towards two-tiered solutions - offering robo-allocations as a starter level, but also providing flesh-and-blood advisory services as a premium option.

With more investors considering robots to steer their finances, though, you cannot escape the regret and bitterness that linger over broken relationships.

"When a client decides to leave, I don't do anything," says Richard Colarossi, a planner in Islandia, New York. "If a client leaves to go to robo-advisor, let them go. My experience tells me that a majority of robo clients will shoot themselves in the foot."
 

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