When Charles Schwab announced it would switch to subscription pricing for its robo-adviser, some financial advisers saw new competition for retail assets. For only $30 per month, Schwab Intelligent Portfolios Premium clients will get automated investing and unlimited access to a certified financial planner. For clients with at least $125,000 invested, that’s even less expensive than the 28 basis points Schwab currently charges for the hybrid robo-adviser and far more affordable than the 1% fees many advisers charge.