Whether you choose a robo-advisor, online financial planner or an in-person financial advisor will depend on your own preferences as well as the level of service you are looking for  from an advisor. In general, robo-advisors provide the most basic level of service, building you an investment portfolio based on your risk tolerance and financial goals. An online financial planner will provide a more personalized plan beyond investments and can help with questions you may have. An in-person financial advisor will likely offer the most complete level of service and can assist with several different areas of your financial life such as investments, retirement planning or even taxes. The fees and costs you’ll pay for each one varies, but typically increases with the level of service you’ll receive. Robo-advisors are typically the least expensive, followed by online financial planners. An in-person advisor will be the most expensive and may charge you more than 1 percent of your assets annually.