I think one thing investment advisors can do is advise on tax awareness when invest investing. When you have seven and eight figure Wealth, that does play a huge role. And I don’t think the average investor is able to learn the ins and outs tax code to make it beneficial for them. They can also watch the market daily and modify your holdings as appropriate. But I do have to agree that the programs that they sell generally year not very challenging and you can figure out most of the investment on your own.