Welcome to the Jill on Money Call of the Week. We are presented by Marcus by Goldman Sachs.

If you've got a financial question, you want us to weigh in on that, just send an email. Ask Jill at Jill on Money.com.

Ask Jill at Jill on Money.com. That is what Rose did. She is calling from North Carolina.

Hello Rose.

What can I do for you?

Hi, Jill.

So my husband and I have been working,

we both work and we've been saving and investing.

And recently, we've been we are going to have some

financial changes like buying a house and maybe sending the kids to private

school so I am kind of taking financial stock of where we're at and we keep bumping up against these

roboboe advisors. My husband is very interested in them. I am a little more nervous about them and I wanted to know whether

you think it's really worth it to move money from a traditional brokerage

account into something like a betterman because of the daily

rebalancing and the tax lost services. Okay so let's start with what you have.

Who is managing the account right now? You guys? We are. Okay, so the cost is basically

whatever the cost of the funds are. Are you using mostly index funds? Exactly. Very

low-cost ETS. Okay, so what is it about the roboo that your husband thinks that you're not getting currently?

He thinks that it saves us from having to rebalance and he's been reading that doing daily rebalancing and tax loss harvesting can save you or add thousands of dollars to your portfolio every

year. Okay so he feels like maybe we're leaving money on the table. Oh that's

very interesting. Okay let's talk about what you have. Tell us about what's in the accounts currently.

So let's start with non-retirement accounts because obviously that rebalancing only is really useful in term and the tax loss stuff is. balancing only

...