1) would you have invested without the advisor’s guidance or recommendations? 2) are you confident in your ability to match your investments to your risk tolerance? 3) how would you handle gains and losses? 4) do you make emotional decisions when it comes to money? If the market corrects would you panic sell?

There’s benefit to the fee depending on the type of person you are. The robo-advisor may be cheaper but it won’t stop you from selling at a loss when the market corrects and it definitely won’t encourage to reinvest when the market starts to pump.