Should I use a robo-advisor or a human financial advisor?

It depends on complexity and what you want help with. A robo-advisor (like Betterment, Wealthfront, or Schwab Intelligent Portfolios) automatically builds and rebalances a diversified portfolio and does tax-loss harvesting, usually for 0.25% or less – great for hands-off investing and people with simple needs. A human advisor costs far more (often ~1% of assets) but adds judgment for messy situations: equity comp, retirement-income planning, estate questions, or coaching you through scary markets. Many people use a hybrid – a robo or DIY index portfolio for day-to-day investing, plus an hourly fee-only human for occasional big decisions. The robo wins on cost and discipline; the human wins on nuance and behavior coaching. Start by clarifying which problem you're actually trying to solve.