By Shane Cummings, CFP®AIF®, Wealth Advisor & Director of Technology/Cybersecurity as featured in Kiplinger 

Growing up with a smartphone in hand has made the use of technology for investing and retirement planning second nature for Generation Z.

It is said that Generation Z, individuals born in the late 1990s to early 2010s, is the first generation to grow up with smartphones and social media, making them inherent digital natives. This has led to a very different experience with investing and retirement planning for Gen Z, as they have access to many investing tools and technologies not available in the past. This shift presents both new opportunities and challenges in their investment journey.

Use of mobile apps