I use Betterment. While I agree that for the upside market periods it won't be any better than a Vanguard ETF, but for volatile or downturn periods I was able t

I use Betterment. While I agree that for the upside market periods it won't be any better than a Vanguard ETF, but for volatile or downturn periods I was able to save quite a lot on their automated tax loss harvesting feature. Also automatically using slightly different portfolios between regular and Roth accounts to get yet another tax advantage is a nice touch.