Unlike most of his college friends, Cody Ripa was 21 and maxing out Roth IRA contributions. He learned about saving for retirement by scrolling through Reddit threads and reading dozens of books.

Now 26 and working as a promotions producer in Cheshire, Connecticut with a Roth IRA and a 401(k), Ripa is the engaged young investor that wealth management firms hope to capture with low-cost digital advice solutions.

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