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2020: the year of bionic advice 2020: the year of bionic advice Advice businesses who were able to combine digital and human elements of their business performed the best over the year of the great pandemic, an industry consultant has said. A A Speaking on the recent XY Adviser podcast, industry consultant Kate Holmes, founder of Innovating Advice, and XY Adviser founder Clayton Daniel said advisers faced major challenges across the globe in 2020, but there had also been a silver lining with the pandemic forcing positive changes to the advice profession. Ms Holmes who has been consulting with advisers globally during the course of the year, said the biggest takeaway has been the ability to pivot. ....