When this makes sense
Human financial advisor
A human advisor is worth it when your situation has real complexity — meaningful assets, layered tax decisions, equity compensation, a business, or an estate — and the coordination is worth more than any single recommendation.
When this makes sense
Robo-advisor
A robo-advisor can be a good starting point when your needs are simple: you're early in your investing journey, your situation is straightforward, and you mainly need a low-cost, diversified portfolio.
The bottom line
Up Capital Management works with households whose situations have outgrown a simple portfolio — where coordination across four disciplines is worth more than automation alone.
See how we’re paidCommon questions
Are robo-advisors fiduciaries?
Many robo-advisors are RIAs and carry a fiduciary duty for the automated advice they provide — but that advice is narrow. It generally doesn't include tax planning, estate coordination, or judgment on complex, one-off decisions.
When should I switch from a robo-advisor to a human advisor?
Usually when complexity arrives: a growing balance sheet, equity compensation, a business sale, an inheritance, or approaching retirement — the moments when coordinated, tax-aware planning starts to matter more than a model portfolio.