This is because as a financial adviser, we provide more than just access. Through us, clients receive asset allocation advice through the robo as well as investment planning and risk coaching services from a full team of Client Advisers and investment specialists. In addition, as experts in CPF, we can advise you on investing your CPF holistically. Most of our clients see the value of what remains a very affordable advisory fee, especially when combined with the low-cost, market-based portfolios made up of adviser retrocession-free share classes we had co-created. As an NTUC social enterprise, MoneyOwl has the responsibility to be prudent in our pricing to remain financially sustainable so that we can partner you on your financial wellness journey for a long time to come.