In the past, financial advisors and agents typically didn't involve clients in the advice generation process. They worked their magic behind the scenes and then presented clients with the final product, such as a financial plan or asset allocation model. But today's clients know more and want to actively participate in the process. How can firms help advisors satisfy these client demands? Smart eBusiness and channel strategy professionals will enhance the advisor-client relationship with what we call collaborative advice — financial advice developed jointly by clients and their advisors across online and offline touchpoints.