One reason you might choose a robo over just ETFs is more financial planning information. Both Betterment and Wealthfront offer goal-setting or projection featu

One reason you might choose a robo over just ETFs is more financial planning information. Both Betterment and Wealthfront offer goal-setting or projection features to help you stay on track for retirement or whatever other savings goals you have. But if you're worried about the fee, check out WiseBanyan (https://wisebanyan.com/ https://wisebanyan.com/), which offers free goal-setting assistance but doesn't have any additional fees on top of the built-in expense ratios. Disclosure: I work with numbers at WiseBanyan. Our business model charges a la carte for extra services (tax loss harvesting, for example), so you basically pay for what you actually want.