This was bound to happen because fees for an in person advisor are astronomical. Robo-advisors or target funds are great for the fire and forget it investor. If you want to spend a small amount of time, you can save the .25% many of the robos charge and just reallocate on your own every quarter. A broker like TDA offers commission free trades for 100s of ETFs. Just so happens, most of these ETFs are the same ones Wealthfront and Betterment use.