By FINTECH Books Contributor, Robert  Alcorn CFA Follow @robalc77 Disruption is a well-used term in the FinTech space. And there is no doubt that robo-advisors are disrupting the wealth management industry and the way that many of us will save and invest our money in the future. Personally, I prefer the term digital or automated wealth management, after all, there are no robots in robo-advice! Whether you like the name or not, it seems like it’s here to here to stay. But like the many robots we have seen in our favourite sci-fi movies over the years, robo-advisors are all different. Let’s break this generic term down and explore three main themes which are emerging in this space. Saving investing platforms, digital wealth management platforms, and digital + human wealth management platforms. Until now, sophisticated investment management solutions have only been available to the wealthiest individuals and institutional investors. Robo-advisors have changed that. Hundreds of millions of people throughout the world can now also become a sophisticated investor, and they can do so with a few taps on a smartphone and for less than the cost of a cup of coffee per month. But just like the robo-advisors that seek to serve them, these individuals are also all different. We all have different financial situations and are at different stages of our careers and our future paths and financial needs will vary. So how do robo-advisors cater for the different financial needs of millions of people? And how do we select the right type of service for us? This is where the three themes come into play. Let’s take a look at what they do, which type of individual they are most suited to, and how they can help improve our financial health.