The Empire strikes back. As the first wave of robo-advisers retreats, their technology innovation is used against them. They continue to be sold or morph into white-labeled B2B platforms. Retail giants such as Vanguard, Schwab and Fidelity use their scale to hoover up the low-end of the advisory market. Meanwhile, traditional wealth managers, such as Morgan Stanley, Merrill Lynch and UBS, continue to move up-market, adopting robo technologies and evolving into cyborg-advisors. DOL's fiduciary ruling catalyzes a new era for wealth managers as their product-pushing brokers soon become extinct. Digital financial planning becomes fully integrated into a technology-rich private banking model covering assets and liabilities. Client engagement and advisory technologies define the new battleground.