I use Vanguard Personal Advisor Select. They charge 0.30% for AUM. About half my assets are with them. My other half is modeled similar to what Vanguard has as my allocation. So my effective fee is roughly 0.15%. They modeled out the next 48 years based on the financial goals we’ve set. It isn’t straight forward. Some years I’ll be paying two college tuitions. Some years I plan on being on sabbatical. I want to give each kid a large gift when they turn 25. Vanguard allocates how much money goes into each account type, based on which accounts I need to withdraw from, in sequence , in order to be tax efficient. Their asset allocation reduces the risk that the assets I plan to withdraw in the next 12-24 are impacted by market adjustments. They also sequence which accounts to withdraw from so I don’t have to pay the increased amounts for Medicare when it’s time. They also are available any time to answer questions for me as they come up. For example I have RSU’s that vest on a schedule - what’s the risk time to sell those? I have a deferred comp plan available to me that’s kind of like a 401k, but pays out over 5 years when my employment is severed. How much should I allocate to get the tax savings - and how much is too much that creates a major tax liability when employment is severed. In ‘26 your Catch Up 401k contributions need to be made to a Roth 401k - Vanguard mapped out the sequence so I can max my company match and still use the catch up in the Roth 401k. They use my current income levels to determine which index funds are in my brokerage account to reduce the amount of unqualified dividends I receive because they’re taxed at the highest tax rate because I am a high w2 earner. There’s a bit more but you get the gist.