I'm not familiair with Financial Engines as such, but I am with other approaches to developing a plan for asset allocation. Their flaw is their strength: Tailoring a plan to fit your tolerance for risk. They are only as good as your ability to, in Bush speak, look into your soul and judge how comfortable you would be with the unknown. Most of us, even though of us who are generally inclined to be introspective, are not good at making such judgements. If you could really make that judgement, I'll bet Finnancial Engines would do a fine job, as would the Vangaurd and so forth software.db
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