The reasons why human and robo-advisers will soon converge

Robo-advisers and real advisers each have what the other wants.

Robo-advisers, for all their bluster about empowering do-it-yourself investors with high-tech portfolio management wizardry, will ultimately morph to advice-giving firms with cool technology.

Real advisers, the flesh and blood professionals who meet eye-to-eye with clients to give investment and non-investment advice, covet the slick interfaces and operational efficiency afforded by the robo-advisers.

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At some point in the future, like husband and wife, the two shall become one.

Over time, robos will add advice and real advisers will add an online option. In fact, it's already happening.

Robo-adviser Betterment has partnered with superstar RIA Steve Lockshin to launch Betterment Institutional, which, according to Lockshin, “reinvents the consumer experience and exponentially increases advisory efficiency.”

Real advisers, such as the ubiquitous Ric Edleman and the fine folks at Savant Capital, are leading the charge from bricks and mortar advising to the world of high-tech online investing. Each firm has created its own version of “robo-advising” albeit with decidedly un-robo like traditional RIA pricing.

(More: Meet the humans behind algorithmic investing)Technology, Demography and Wealth

Three factors inexorably point toward the convergence of robo and human advice.

1. Technology: The robos have done an incredible job of creating a pleasing online user experience that makes monitoring your portfolio from the comfort of your palm a snap. Real advisers will ultimately be forced to deliver this high-quality online experience, too, as the next generation of investors come to expect it.

2. Demography: As Boomers die, their traditional face-to-face way of doing business will give way to Gen X and Millennials, who are comfortable communicating through 5-inch screens. Real advisers will have to adapt to a “business anywhere, anytime, through any means” mentality or face being marginalized.

3. Wealth: Young adults with little money will grow into successful professionals with 7-figure