The push and pull between financial advisors and financial technology, meanwhile, is nothing new for those who have been in the business for a long time.
"We've been dealing with it for decades with financial-planning software," Bachrach said. "You don't see us using a slide rule and yellow pad anymore."
Edelman said the day when his firm delivers a tablet preloaded with financial-planning tools to a client by FedEx ahead of a video conference—rather than rely on its expensive and time-consuming network of 41 nationwide offices—is coming. Avatars will also be used to deliver financial counseling.
"It's all those things we have to move more toward," he said.
Read MoreTrust a robot with your money at 64?
Ultimately, Bachrach said, consumers will start going to advisors and saying, "I've heard about the 'singularity,' and I may have another 40 years when I thought I would have a lot of money and then transfer that wealth to my kids. But if I live another 40 to 50 years, how do I do that?"
Advisors may be able to help baby boomers massage the immediate issue, which Bachrach summed up as "boomers screwing Gen X and Gen Y again. ... 'We first destroyed the planet, and now we're stealing your inheritance.'"
But no advisor or software today has the solution for the question of immortality. "It's back to human skills," he said. "I'm not sure how robo-advisors do that, but maybe they get better and better."
Time is on the side of financial advisors in practicing their approach to this question.
"Forget the person who lives to 150; it's the baby living to 1,000," said Ismail of Singularity University.