The rise of robo-advisors (RAs) has intensified debates about how to best integrate artificial intelligence with human expertise in the field of wealth management. This study investigates how automation and AI are reshaping the professional roles of financial advisors. Using a structured review of existing research, it explores the evolution of robo-advisory systems, their conceptual foundations, and the ways they interact with human advisors. The findings indicate an ongoing lack of consensus regarding whether robo-advisors will eventually substitute or merely complement human financial...