The Robo-advisory refers to digitally delivered investment advisory and portfolio management services that use algorithms, data models, and automated workflows to build, manage, and rebalance investment portfolios for clients. These platforms typically collect investor goals and risk preferences through digital onboarding, recommend diversified portfolios using ETFs, mutual funds, or model portfolios, and automate rebalancing, tax-aware optimization, and reporting. Robo-advisors are offered by independent fintech firms, banks and brokers, wealth managers, and hybrid models where human advisors complement automated portfoli