<prompt> Human: What are your thoughts on allowing a robo-advisor to handle your Roth IRA? I opened a Roth with Wealthfront recently. 2017 is the first year I have contributed to my Roth IRA and I am quite behind on my retirement savings being in my early 30s. I plan to max out my IRA contribution from here on. I dont have any other retirement accounts, 401ks, etc, as I am considered self-employed and pay quarterly estimated taxes. Should I leave money with Wealthfront, or move it to a target date retirement fund with say, Vanguard? Or even do half and half for diversity? I know I can only do 5500 yearly max regardless of where the money goes. Thanks for your advice!  <response>: Skip the extra fee and risk layer of robo-advisors and invest directly at Vanguard. Educate yourself to the point that you understand investments require very little handling. 