Silicon Valley, the birthplace of most startups, has incubated many successful robo advisors such as Betterment and Wealthfront, that have managed to deliver enough value, and gather enough assets for them to be sustainable. With the ease of access of capital and access to scale through technology, Fintech startups have been challenging incumbent players across different product verticals. While some were able to grow exponentially and eventually able to serve their clients' needs sustainably, many struggle in a competitive landscape to deliver value while managing costs. How do robo advisors like Endowus leverage the learnings (and avoid the pitfalls) from our more experienced counterparts in the West? What about competitors such as brokerages and banks or even fund managers? How do we continue to be ahead of the innovation curve in Singapore? Sheng Shi Chiam, the Personal Finance lead of Endowus, and William Hofmann at ValueChampion share their experiences and analyses as industry insiders to Singapore and...