I got in, and I put a whopping $500 in there for experimental reasons. Somehow I am getting my taxes done free through them (though I also did them in TurboTax so I can compare and decide which way I'll use to actually file.) But, ultimately, they'll want to sell you something to make their money. It's kind of too early to tell if their long-term value proposition will shake out. The main thing they do is just decide for you what your asset allocation should be. As long as they follow the basic tenets of simple index fund investing, that's not a big deal, but if the underlying expense ratios exceed what you'll pay owning Vanguard funds directly, it's probably not worth it.