We researched how to use financial technology in the finance industry on the example of robo-advisors; defined the basic functionality of robo-advisor; got the robo-advisors implementation based on analysis of the most popular financial services. We compared their functionality, composed a list of critical features and described the high-level architectural design of a general robo-advisor tool, scope of application of robo-advisors, their key features, and a brief overview of existing solutions. Using Markowitz model, we set up a concept of a robo-advisor application for investors who have differ-ent attitudes towards risks. Our goal is to cover the main features of financial robo-advisor and to describe a high-level architecture for such applications. We have defined the main modules that represent the architecture of a typical robo-advisor. We also describes different techniques, which could be applied for building a personalized investment and insurance portfolio.