What He's Doing Now Boggles the Mind. My partner, a 36-year-old man, is being let go from his job. He was informed that his company would be cutting him and his entire department. The only person staying is his boss, who will be overseeing the new AI customer service client they are replacing the real life people with. But that's not what this is about, even if AI is going to be the death of humanity.

According to Business Insider, 'Robo-advisors (with some element of automation) will manage investment products worth $1 trillion by 2020, which will go up to $4.6 trillion by 2022.' The wealth management industry is in the midst of significant changes, the most engaging of them being the advent of Robo Advisors. Sounding like the love child of Fintech and Robotics, Robo Advisors are exactly what their name describes them to be – Artificial intelligence that helps manage financial decisions or offer streamlined financial advice. What exactly are Robot Advisors? Nicki is in her late twenties.

According to Business Insider, 'Robo-advisors (with some element of automation) will manage investment products worth $1 trillion by 2020, which will go up to $4.6 trillion by 2022.' The wealth management industry is in the midst of significant changes, the most engaging of them being the advent of Robo Advisors. Sounding like the love child of Fintech and Robotics, Robo Advisors are exactly what their name describes them to be – Artificial intelligence that helps manage financial decisions or offer streamlined financial advice. What exactly are Robot Advisors? Nicki is in her late twenties.

In the ever onward march of modern technology, we humans have sometimes felt uncomfortable about the increasing automation of telecommunications – from machines calling us with recorded messages to switchboard operators replaced by numbered menus to choose from. However, we seem to be turning a corner, with many people now happy to communicate with devices such as chatbots. For example, a report from media data specialists Comscore which looked at the future of voice technology in the US, found that half of smartphone users engage with voice technology and messaging apps on their device, and one in three do so on a daily basis. According to Call Centre Helper investment in artificial intelligence (AI) technologies will increase by more than 300 per cent over the next year, and eight out of ten businesses have already implemented AI as a customer service solution, or are planning to do so by 2020. A blog by NewGenApps has looked at the top 11 ways that companies are now using AI in their business processes, and they say that "What started as a rule-based automation is now capable of mimicking human interaction. It is not just the human-like capabilities that make artificial intelligence unique. An advanced AI algorithm offers far better speed and reliability at a much lower cost … compared to its human counterparts."

The fintech industry has been revolutionizing the sector in the past few years, with disruptive technologies such as machine learning, artificial intelligence, social data intelligence and blockchain, which are proving to be enablers in solving critical business problems. According to fintech experts, robos are already doing 75 percent of the distributor's job. For instance, these automated advisers ask you your age and a few questions about risk, goals and your time horizon. Then the platform runs your choices through their algorithms. Next, you are assigned a risk level ranging from conservative to aggressive.

Dear Liz: I have met with a financial advisor, but he wants every investment to go through him. Although he is an advisor, he works for a company and wants me to buy their products. Answer: Anyone can call himself or herself a financial advisor or a financial planner. There are no education, experience or ethics requirements for using those titles. A more accurate job description for this guy might be "product salesman."

Ric Edelman is one the top financial advisors in the US. His firm, Edelman Financial Services, has 41 offices across the country. And he thinks, all things constant, most financial advisors as we've known them won't be around much longer. At Exponential Finance, Edelman said, "I firmly believe that in the next ten years, half of all the financial advisors in this country will be gone." Edelman spoke on a panel with fellow advisor, Bill Bachrach, chairman and CEO of Bachrach & Associates. Technology, they said, doesn't spell the end of financial advisors, but it does mean they'll need to adapt significantly if they're to survive.

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