Financial advice helps people manage money, plan for the future, and make smart decisions.

For young people like Generation Z, financial advice is shifting from in-person meetings to online tools and social media.

This change offers new chances but also challenges.

My research question: “How is the future of financial advice being shaped to meet the needs of my generation?”

I chose this because I am an 18-year-old Black female studying accounting and finance, and I want to explore how financial advice can be better for young people like me.

Used secondary data from reliable sources: academic papers, government reports, and industry surveys.

Selected sources based on credibility, recent publication date, and relevance to Generation Z.

Critically analyzed sources by comparing findings and identifying any potential bias (e.g., company marketing).

This approach allowed me to gather meaningful information within a limited timeframe without conducting surveys or experiments.

Focused on understanding trends in digital financial advice and inclusivity.

Gen Z prefers tech-driven, personalized financial advice like robo-advisors and mobile apps (Deloitte, 2023; Gomber et al., 2018).

Over 60% of young adults use digital tools for managing money with real-time advice.

However, these digital services often lack cultural relevance and trust for minority users (Hamilton et al., 2015; Conley, 2010).

Financial literacy remains a key barrier to benefiting fully from financial advice (Lusardi & Mitchell, 2014).

Conclusion: The future of financial advice will be digital and personalized but must also include cultural understanding and education to serve my generation fully.

Felt overwhelmed without a clear plan to track progress.

Secondary data collection took longer than expected because of careful source evaluation.

Learned the importance of splitting tasks into smaller parts and using tools like Padlet to stay organized.

For future projects, will set specific deadlines and regularly update progress to avoid last-minute stress.

Time management is as important as the research itself, especially with tight deadlines.

Digital technology is changing financial advice to be more personalized and accessible (Deloitte, 2023).

However, services are not yet fully inclusive or culturally sensitive to diverse groups like young Black people (Hamilton et al., 2015).

My research question was explored by showing the promise of technology and the need for better financial education and inclusivity.

If I repeated this research, I would improve time management and include primary data like surveys or interviews for deeper insights.

Developed skills in critical source evaluation, connecting theory to real-life issues, and reflecting on my research process.

Overall, gained a better understanding of financial advice's future and the importance of diversity and education (Sironi, 2016; Lusardi & Mitchell, 2014).