Robo-advisors provide a range of services that can significantly benefit your portfolio returns. They research the best ETFs for you to own, considering factors such as cost and trading volume that most investors may overlook. They also automatically rebalance your portfolio on an ongoing basis, ensuring that your investments are always optimized. Furthermore, robo-advisors intelligently reinvest dividends and provide advanced services like tax loss harvesting, which can help you save money on taxes. Now, you might be wondering why you should pay a robo-advisor 0.25 percent of your portfolio every year instead of just buying the ETFs yourself. The answer is simple: robo-advisors earn their money by providing services that most individual investors either can't or don't want to handle themselves. They take care of the research, the rebalancing, the reinvesting, and the tax loss harvesting, all of which can significantly boost your portfolio returns. So, should you use a robo-advisor? For most people, the answer is probably yes. And if you're looking for a great option, consider Daffy. Daffy is a Donor Advised Fund (DAF) that simplifies your giving. With Daffy, you can easily donate to almost every US public charity, track tax-deductible contributions, and access donation receipts all in one place. Plus, Daffy waives all membership fees for members with less than $100 in their fund, so you can get started today for free. Remember, the information provided here is for educational purposes only and should not be considered tax advice. Always consult with a tax professional to assess your specific tax situation.