Financial Advisers emerged in the US in the 1970s, but hit their stride in the 1980s with new professional designations, associations and regulation emerging to create an industry that is just over 300,000 persons strong. The US alone manages more than $13 Trillion in Assets under Management (AuM) in Mutual Funds, and the US Stock Market has close to $20 Trillion in Aum. But investor behavior is changing. The number of financial advisers in the US shrank by almost 2% last year, as more an more people use technology, investment tools and platforms and seek advice from less traditional sources. And then we have Gen-Y… This group looks for advice on investments, on savings and on financial products in a very different way. Blogs, collaboration tools, even YouTube videos increasingly are part of their reference point before making an investment decision. In this week’s show we talk to three experts in the personal financial advice and personal financial management space who are actively involved with the 20-30 year old investor, and have seen significant shifts in the way they plan, save and invest. Ashley Jacobs is the community coordinator, social media editor, and the college finance writer for http://www.wisebread.com. Lou Carlozo, based in Chicago, is a personal finance contributor for Reuters Money, a columnist with DealNews.com, and a primary contributor at Money Under 30. Mary Beth Storjohann, CFP®, is the Founder of Workable Wealth and works as a writer, speaker and financial coach for individuals and couples in their 20s and 30s http://workablewealth.com. Join this unique group as they discuss the future of financial advice powered by social, mobile and collaboration.