Hi! I think Ryan is right that most robo advisors require you to transfer your money, stocks, bonds, etc, to them or their custodian. However, this article by the Motley Fool defines robo advisors as "websites where you sign up, enter your financial particulars, and benefit from the site's tools and computer models. Some suggest how you should invest your money, while others will do it for you." I did a lot of research and wasn’t able to find those who just “suggest how you should invest your money.” Some of the robo advisors you can choose from are Wealthfront, Personal Capital, Betterment, FutureAdvisor, LearnVest, AssetBuilder, Covestor, Financial Guard, Market Riders, iQuanifi, Motif Investing, Liftoff, SigFig, and Rebalance IRA. The last one, Rebalance IRA, looks like it gives you advice for managing your 401K, which would stay with your company account and not be transferred to Rebalance IRA’s custodian. I hope this helps a little! Best wishes and thanks for writing!