Robo advice 2.0 (or how to resist the temptation of a marshmallow)

When you see first-hand the transformative impact good financial advice can have on someone's life, you can't help but become a little bit evangelical about it. Timely financial advice changes lives. And I have always been of the view that the more lives it can positively impact, the better society would be. So, I watched with keen interest - and a great deal of hope - when robo advice was first heralded as the answer to the commercial conundrum of cost-effectively bringing advice to the masses. Twelve years later, and my hope hasn't diminished. Nor has my firm belief that everyone...