Affluent US investors are managing their money online — but usually not at their full-service firms' sites. Why? Every direct brokerage's Web site is stronger than every full-service firm's site. In neglecting the online channel, full-service wealth management firms are inviting clients to invest more time and money with direct brokerages. eBusiness and channel strategy managers at full-service firms need to transform the online investor experience by developing sites that support not just clients helping themselves but also advisors helping clients and even clients helping other clients.