I like that they have many different options to choose from when it comes time make your own plan, whether its through their website or by phone with one of there customer service reps! Its not always easy getting people in my area interested which makes this app helpful as well because others can use them too without having me try everything first!! Sometimes you may get stuck between two plans but most likely after trying both out if i didnt feel completely satisfied then just switch back until u find what fits best ur needs at tht point nd save money where ever possible :) It does give us freedom so we dont need someone else managing our investments every year etc haha!