Two important notes about tax loss harvesting: 1) For any given dollar you put into a robo-advisor any tax lost harvesting gains to be made based on that dolla

Two important notes about tax loss harvesting: 1) For any given dollar you put into a robo-advisor any tax lost harvesting gains to be made based on that dollar will generally happen in the first 1-3 years. After that gains will generally approach zero. However, the fees you pay the robo-advisor will last as long as you keep your money there. 2) Once you make the decision to use a robo-advisor which purchases hundreds of stocks on your behalf, there is a lot of lock in. Automation becomes essentially required to continue to maintain the account. You do have the option of selling everything and going back to an ETF based approach but at that point you'll incur capital gains completely negating any positive impact you got up from by loss harvesting. These points were not clear to me when I began using one of the popular robo-advisors some years ago. I kind of wish they had been.