<prompt> Human: I started going to a financial advisor who comes with recommendations because I want to save smartly for house within the next few years.Their recommendation was to switch from what Im currently using, which is similar to Wealthfront, to the actively managed AssetMark.AssetMark has slightly higher fees. They also dont have as good returns, supposedly because theyre more conservative so if the market were to crash in the next few years I wouldnt be as affected and could potentially still purchase a house.Is switching to AssetMark a good idea? I realize my financial advisor only gets paid if I switch to it, so their recommendation is kind of biased. But is there value in being more conservative in case the market crashes, when it comes to buying a house in a few years?  <response>: Of course he is...he gets a commission. You can be more conservative in WealthFront if you need to be. And that may not even be why their returns are lower. 