Has anyone used FutureAdvisor? ( https://www.futureadvisor.com
It looks like a good service for those of you who like to stick to a AA plan with funds. It has a free service that advises trades to make. It also has a pay service that will automatically balance your portfolio (actually making the trades when possible.)
It connects directly to your brokerage accounts to see your current holdings. Then compares it to their AA plan based on your situation.
It is suppose to look at Performance, Diversification, Fee Efficiency and Tax Efficiency.
After a few hiccups connecting to my accounts, it was able to give me an action plan. I've been very lax following an AA plan, instead making investments based on cash on hand and what looked good at the time. I know, smack me, but it's worked out pretty well so far.. .though I am ready for a re-balance.. and a more passive plan going forward.
Even so, I'm really not liking some of the trades it's suggesting, so I can't recommend the service out right... However, I do wish some others would try it and give their opinion on it.
.. I'll add that the allocations seem to be set up for pre-retirement planning... and not early retirement. Based on my settings of retiring now, and having moderate risk, it wants to split me 46% stock 54% bonds...