VI. Inaccessibility

Traditionally, advanced financial tools such as robo-advisors were primarily available to institutional investors and high-net-worth individuals (HNWIs) due to the high costs and complexities involved in accessing these platforms.

For example, many premium wealth management services, which offer sophisticated financial planning and portfolio management, often require minimum investments of $500,000 to $1 million, placing them well beyond the reach of most average investors.

These services typically include personalized financial strategies, automated rebalancing, and tax optimization, features designed to maximize returns but inaccessible to those without substantial capital.

This created a significant disparity between affluent investors and average retail investors, who faced substantial cost barriers. The result was a two-tiered system in which only those with large sums of money could access advanced financial management, leaving most retail investors with basic or limited options for growing their wealth.