11 adviser predictions from the Future of Our Business
![“There will be massive consolidation and RIAs (even independent solo practitioners) will begin to dominate the financial advice field. Disintermediation will actually start to hurt big banks and brokers.”
— W. Phil Ratcliff, president, rebel Financial (2018)](https://s32566.pcdn.co/wp-content/uploads/2019/10/FREE_719009999_PH_8_PNTEWKMUWJCB.jpg.optimal.jpg)
“There will be massive consolidation and RIAs (even independent solo practitioners) will begin to dominate the financial advice field. Disintermediation will actually start to hurt big banks and brokers.”
— W. Phil Ratcliff, president, rebel Financial (2018)