Hey, I want to tell you that keep in mind that if you choose the Stash Growth ($3/month) or Stash+ ($9/month) investment portfolio, you will still get access to Stash Beginner and be able to choose your own investments through individual brokerage account. If you don't believe me, read stash reviews and you'll understand everything. This homemade and automated approach is not available in other Stash advisor bots. Another bonus feature that Stash offers is access to life insurance through Avibra.