{"id":3774,"date":"2020-10-07T06:06:00","date_gmt":"2020-10-07T10:06:00","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=3774"},"modified":"2021-02-15T01:39:21","modified_gmt":"2021-02-15T06:39:21","slug":"robo-advisor-online-financial-advisor-difference","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/","title":{"rendered":"Robo Advisor and Online Financial Advisor \u2013 Is There a Difference?"},"content":{"rendered":"\n<p>A Robo Advisor and Online Financial Advisor (OFA) are the same type of service provider. They both provide online investment advisory services. You do not meet face-to-face with these online financial advisors when you use their services.<\/p>\n\n\n\n<p>I prefer Online <a href=\"http:\/\/www.paladinregistry.com\/advisors-planners\/overview\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Advisor<\/a> because it is a better description of the services that are provided by this new type of financial advisory firm. All of the services are delivered online and they act as financial advisors, not as money managers.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f2bb4ce9806\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f2bb4ce9806\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/#Advisors_vs_Managers\" title=\"Advisors vs Managers\">Advisors vs Managers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/#Exchange_Traded_Funds_ETFs\" title=\"Exchange Traded Funds (ETFs)\">Exchange Traded Funds (ETFs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/#Cookie_Cutter_Portfolios\" title=\"Cookie Cutter Portfolios\">Cookie Cutter Portfolios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/#Passive_vs_Active_Management\" title=\"Passive vs Active Management\">Passive vs Active Management<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advisors_vs_Managers\"><\/span><b>Advisors vs Managers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are financial advisors and there are money managers. Mutual funds are a type of pooled money management because they select securities and make the buy\/sell decisions. There are also <a href=\"http:\/\/en.wikipedia.org\/wiki\/Separately_managed_account\" target=\"_blank\" rel=\"noopener noreferrer\">separate account managers<\/a> that do not pool assets for investment. They also select securities and make buy\/sell decisions.<\/p>\n\n\n\n<p>Financial advisors do not make investment decisions. One of their most valuable services is recommending the money managers who do make the investment decisions. For example, an Online Financial Advisor selects the ETFs for your portfolio. The ETFs are the money managers because they select the securities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exchange_Traded_Funds_ETFs\"><\/span><b>Exchange Traded Funds (ETFs)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>ETFs are index funds that trade like securities. This makes it easy, efficient, and cheap to buy and sell ETFs on the exchanges. For example, there is an<a href=\"http:\/\/www.spindices.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"> S&amp;P 500 index<\/a> that represents the performance of 500 U.S. stocks. You can invest in the index by buying a mutual fund (index fund) or an ETF.<\/p>\n\n\n\n<p>ETFs are designed to capture the performance of particular asset classes. The S&amp;P 500 captures the performance of 500 large capitalization U.S. stocks. There is an ETF for just about every asset class that is available for investment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cookie_Cutter_Portfolios\"><\/span><b>Cookie Cutter Portfolios<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You provide the Online Financial Advisor with information about your situation and the OFA uses the information to plug you into a cookie cutter portfolio of ETFs. Although cookie cutter may sound bad that is exactly what mutual funds have done since their inception. For example, you pick a fund based on your performance expectations and tolerance for risk and it delivers the same services to you that is delivered to thousands of other investors who share your criteria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Passive_vs_Active_Management\"><\/span><b>Passive vs Active Management<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>ETFs are designed to match the market performance of particular asset classes. Their performance should be within a few basis points (100 basis points = 1%) of the index. This is called a passive process because money managers are not picking securities. They buy indexes of securities.<\/p>\n\n\n\n<p>The financial advisor may also use passive asset allocation, for example you invest 25% of your assets in a Large Capitalization Value ETF and you do not change the allocation except for rebalancing and tax loss harvesting.<\/p>\n\n\n\n<p>Your alternative is <a rel=\"noopener noreferrer\" href=\"http:\/\/www.paladinregistry.com\/investing\/management\/active-investing\" target=\"_blank\">active management<\/a> that uses ongoing asset allocation and stock or fund selection decisions to produce superior returns. You will pay higher fees for active management that is supposed to deliver better results than passive alternatives.<\/p>\n\n\n\n<p><em><a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jack-waymire\/\">Jack\u00a0Waymire<\/a> worked in the financial services industry for 28 years before he left to found the Paladin Registry (<a rel=\"noreferrer noopener\" href=\"http:\/\/www.paladinregistry.com\/\" target=\"_blank\">www.PaladinRegistry.com<\/a>) in 2004. This investor education website was based on the Principles in\u00a0Jack\u2019s first book:<\/em> <em>&#8220;Who\u2019s Watching Your Money?\u00a0The 17 Paladin Principles for Selecting a Financial Advisor.&#8221;\u00a0<br>The Registry also has a free service that matches investors to advisors who meet Paladin\u2019s minimum requirements for competence and trustworthiness.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Robo Advisor and Online Financial Advisor (OFA) are the same type of service provider. They both provide online investment advisory services. You do not meet face-to-face with these online financial advisors when you use their services. I prefer Online Financial Advisor because it is a better description of the services that are provided by this new type of financial advisory firm. All of the services are delivered online and<\/p>\n","protected":false},"author":2,"featured_media":3777,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-3774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Robo Advisor and Online Financial Advisor \u2013 Is There a Difference?<\/title>\n<meta name=\"description\" content=\"A Robo Advisor and Online Financial Advisor (OFA) are the same type of service provider. They both provide online investment advisory services.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Robo Advisor and Online Financial Advisor \u2013 Is There a Difference?\" \/>\n<meta property=\"og:description\" content=\"A Robo Advisor and Online Financial Advisor (OFA) are the same type of service provider. They both provide online investment advisory services.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/PaladinRegistry\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-07T10:06:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-15T06:39:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2014\/04\/robo-advisor.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"620\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jack Waymire\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jack Waymire\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/\",\"name\":\"Robo Advisor and Online Financial Advisor \u2013 Is There a Difference?\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/robo-advisor-online-financial-advisor-difference\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2014\/04\/robo-advisor.jpg\",\"datePublished\":\"2020-10-07T10:06:00+00:00\",\"dateModified\":\"2021-02-15T06:39:21+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/4f94af521e23212d5ffd08618ecb46c0\"},\"description\":\"A Robo Advisor and Online Financial Advisor (OFA) are the same type of service provider. 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