Online “Robo-advisor” tools promise to provide quick and inexpensive portfolio management services. But military families face life events and decisions that are too important to leave to an online tool. Achieving long-term financial security involves a lot more than the creation of an effective investment strategy. By providing face-to-face coaching, Financial Advisors can help their clients build successful financial behaviors, combat consumer temptations, and experience the confidence and security that comes through successful goal setting, budgeting, and risk management.