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I use a robo-advisor. Wealthfront.
I've just explored Schwab's Intelligent Advisor. It's a CFP augment of their Intelligent Portfolio offering (robo trading). For a 0.28% fee, you get financial planning on an ongoing basis. I'll likely use it, as I love their Intelligent Portfolio product so this is a low cost natural offshoot.
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Anything they do, I can do on my own for free. I hold my investments in Vanguard admiral index funds. I diversify and hold long term, contributing a set amount each month. I don't try to time the market by selling, but if the market is down and I have a little extra cash on hand, I'll up my contribution that month.
Personal Capital seems good. I tried them first, and then I started managing my own portfolio after reading a lot of books on it.
Schwab is a great company.
@CCCW1: Agreed.