Much has changed in the wealth management industry since robo-advisors first made their appearance a decade ago. Talk of disrupting the advisor-client relationship has given way to a new generation of innovative technology solutions that enhance and augment the fundamental ways that investors invest and advisors advise. Today, robo-advisors can be seen as part of a broader movement to digitize wealth management, embodied in the term: WealthTech. Technology derived from wealth management firms, research tools that generate investment solutions, and platforms to support financial advisors -- all fall under WealthTech. Finance is becoming a technology play.

He looks for ways to test and assess "How we might Live" with the technology and how it will adapt our lives, our cultures and move humanity onwards to greater things delivered through Open IoT Ecosystems in Smart Living and IoT3. "we used to wait until the washing machine broke down, to arrange a service engineer, then we took out a service contract so they would call us, with our IoT machine, it calls the engineer, or shop and they just charge our account when we get the service or comestibles we need to do our washing, but we still need to check we have not been over charged" Modern convince has only changed the stress points in our lives, from analog, to digital and from servant, to master and onward to accountant. The wide distribution of blockchain technologies afford the ability to remove several of key aspects of speculation. And what happens to everyone else who can't transition between Digital Living into Smart Living, because of the loss of freedoms, due to not having the skills to function in Smart Living or just not being invited?