The prevalence of more and more financial planning apps and websites—often referred to as robo-advisors—are making everyday financial management decisions easier to handle without the help of a financial planner. Many of these apps and websites offer very similar services to those of a financial advisor at a fraction of the cost. If you’re confident in your money management skills and investment choices, you may not need to shell out money for a financial advisor with the help of these planning tools.

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