Experts at CNNMoney believe that online discount brokerages will continue to offer advisory services to account holders, in order to continue to compete with traditional, brick-and-mortar investment companies. Individual 401(k) investors will have access to advisory services that will be subsidized by their employers. More than 30 million people use these outside financial services to seek advice today. Many online tools will be available to help individuals model and balance the allocations of their portfolios with a mouse click. Mutual fund companies, discount brokers, and traditional investment companies will continue to compete by offering the very best web-based tools for account holders.