Artificial intelligence is more than just a buzzword; it's an inevitable reality. While robots might not walk, talk and live among us, through automation technology they are still making their way into our lives, streamlining everything from our day-to-day routines to our business activities. Robo advisors are the new craze in the world of personal finance and investment… Okay, the term might be misleading as they really have nothing to do with robots – at least not in the traditional sense. However, they certainly emphasise a direction of travel, one which demonstrates just how powerful automation technology is becoming. Robo advisors are online investment platforms designed to take clients through the investment process automatically, so that independent financial advisors (IFA) can be bypassed.