At the recent Financial Planning Association conference, experts who spoke predicted that the demand for good financial planners will be higher than ever in the near future. A recent influx of financial planners into the sector, however, does not bode well for small, all-purpose planning firms since they do not have any sustainable competitive advantages. The advent of Internet and high-tech call centers has not affected the popularity of good flesh and blood advisors. According to a recent survey, 25 percent of CPAs who responded expressed an interest in incorporating planning services into their firms. Experts also predict that the referral business will shrink as CPAs try to keep business for themselves. One analyst advised firms to expand or to consider specializing in a niche market while competition is relatively light.