Steve Hansen is reported to have said that 'once is a mistake, twice is a choice.' It is entirely possible someone else said this first. It is simply too good to be recently coined. But I like that I can quote Steve Hansen. This applies to the shape of your business.
The point is this: If you've been in business 20 or 30 years then the sum of all your choices has largely determined how your business looks. There are other factors, to be sure, the environment, and where you started: the skills you began with, and so on. It is fair to recognise that some people show up to the starting line with good health, great education, and a full head of hair. Some get there just by the skin of their teeth with no advantages. But the more choices you make the more you are responsible for where you are.
Those things you aren't doing: robo-advice, online marketing, educational programmes at the local college, cool fundraising ideas with charities, new qualifications, new ways of giving advice, opening up new markets. Those things have to be chosen by you. If you are wondering why, in spite of all your wishes, and the fact that some goals have been on your to-do list for a long time, you still haven't done them, you may need to figure out what it is about you that is stopping you. Fear is often one. Unconscious bias is often another. Finding them and owning up to them is important.