After using robo-advisors for three years, I've noticed they rebalance my portfolio automatically but never explain the reasoning. My human advisor caught a tax-loss harvesting opportunity last year that the algorithm missed, saving me roughly $1,200. Fintech tools are convenient, but I'm starting to think they might not replace the nuanced judgment of a human financial advisor. Do you think automated investing platforms can truly match the value of personalized advice in complex financial situations, or are they mostly just cheaper and faster?