STSM aims to intensively work together in the direction of Fintech disrupting financial service. More specifically, we specialize in a Robo-advising investment strategy. The rise of Robo-advisors and their growth is unprecedented; however, the performance of the Robo-advising industry is less satisfying during the Covid crisis. This is the reason why this STSM kicks in and refines the reinforcement learning approach under rare disasters. The Robo-advising industry benefits from a precise estimation of investors' utilities, even in economic disasters, while investors enjoy better portfolio transparency.