As someone who has freelanced and is also criticising (I guess, although I'm not critical of the business overall, just one way in which it lacks transparency),

As someone who has freelanced and is also criticising (I guess, although I'm not critical of the business overall, just one way in which it lacks transparency), I don't think financial advisor is a fair comparison. The assumption with a financial advisor is that there's value add; the advisor should either out-perform a standard investment mechanism, or know how to navigate bear markets, or preferably both. And also should definitely handle taxes and fees etc. without blow a bunch of my money or exposing me to risk/loss. In other words, they should know how to do something that I cannot reasonably learn how to do, or even if I learn could not do on my own without investing a huge amount of time/effort. What Even provides is a service that someone with the ability to do a bit of personal financial planning is certainly able to do for themselves by taking :30 out of every Sunday afternoon, no knowledge of tax code or stock market finesse or weekly research projects required. It's certainly not a worthless service, but the recurring monthly fees seem on the high end of what I'd be willing to pay. For that reason, the lack of transparency about how exactly these amounts get determined (and where exactly the time value of my money is going) is extremely troubling to me.