Let’s get the basic definitions out of the way first: SPY and VTI are both exchange-traded funds, or ETFs. These are index funds with shares that are traded on the stock market.

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What are Stocks? Stocks represent ownership. A share of stock is simply a share of ownership in a company. When you own a share of stock, you own a share of all the company’s future profits and liabilities. It’s a small claim on a company’s future profits.

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What is a CFP and what do they do? The term “CFP” stands for Certified Financial Planner. These are financial services professionals who have passed a rigorous series of seven courses on various aspects of personal financial planning and passed a challenging exam.

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The robo-advisor revolution is having a massive effect on how people handle their money – especially for Millennials and “the digital native” generation who grew up with smartphones in their hands. Artificial intelligence and robo-advisor technology have helped democratize investment advice and management.

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Financial advisors are professionals whose job is to provide accurate and timely advice about financial strategies and products and to help you achieve your financial goals. But choosing a financial advisor isn’t easy.

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