<prompt> Human: I understand that Vanguard has the lowest expense ratio, but Wealthfront and Betterment seem barely higher .25. In exchange the customer gets tax loss harvesting, and innovative tools to help with planning and robo-advising. Do these extra features justify the slightly higher expense ratio?Im slightly leaning toward Betterment. Nerd Wallet rated it the highest.  <response>: Im slightly leaning toward Betterment. Nerd Wallet rated it the highest.Keep in mind that Nerd Wallet gets every time they send BettermentWealthfront a customer. 