Regulator stresses vulnerability testing and timely system upgrades.
Last week's ransomware attack reveals system vulnerabilities.
Employees allege the firm failed to act in their best interests when managing their retirement plans.
Firm begins rolling out broad technology upgrades for advisers.
Advisers offer new approaches to keeping clients within spending limits.
Investing giant's entry into market could boost use of these new planning tools.
Technology will actually enhance an adviser's human abilities.
Hypothetical "Zenvestr" would work mostly through an app.
Chatbot would engage clients to take financial actions and encourage adviser meetings.
