Which robo advisor is best? This is a key question that investors must ponder as we begin 2020. The top robo advisors are beginning to assert themselves and disrupt the financial space. Fortunately, we've done the heavy lifting for you and compiled a list of robo advisors for the coming year. Each of these companies has established itself as a player in the growing robo advisor market, and Insider Intelligence predicts that robo-advisors will be managing $4.6 trillion by 2022.

Science Magazine's report on Friday that an artificial intelligence system was caught stealing banking customers' money may have made you rethink vesting your funds in the burgeoning technology. But have no fear – the article was an April Fool's joke. While there are still valid and plenty of concerns about AI, the threat that the so called "Deep Learning Interface for Accounting (DELIA)" may embezzle your funds is not one of them. In fact, AI systems are a remarkably valuable resource in finance. Established banks and startups alike implement AI to detect fraud.

More and more, financial firms are turning to machines to do the job humans have done for decades. Last spring, wealth management firm Charles Schwab launched a new service called Schwab Intelligent Portfolios. The service is unique in that it's not a person who decides where to invest your money, it's an algorithm - lines of code programmed into a computer. "It's lower cost for the investor," says Tobin McDaniel, who leads the Schwab Intelligent Portfolios team. "As opposed to working with a traditional advisor where you might pay up to 1%, here you get portfolio management at essentially no management fee."