In this piece, I review three additional robos: Albert, Ellevest, and Stash. Overall, each of these robo-advisors provide a distinct experience with the objective of helping individuals in different circumstances save for retirement (and other goals, but we focus primarily on retirement here) through a streamlined and convenient process.

Last November, the U.S. Securities and Exchange Commission (SEC) proposed a rule that could pave the way for these platform workers—commonly known as gig workers—to receive equity compensation just like employees and other categories of independent contractors.

When this crisis is studied from the lens of economic history, we will learn more about the winners and losers.