After dealing with the basic lack of humans to talk to for questions on various web based services I&#x27;ve tried to use (Mint, Wealthfront, ZenPayroll), I&#x27;m tired of doing these things without guidance of a real, experienced, licensed person, and having to wobble along to figure out important things (like how some expenses are classified, etc) with just the guidance of pretty software tooltips.<p>I&#x27;m probably not alone in this. I think we&#x27;ll start to see more services that are a bit more high-touch on the employing human experts side.