The best allocation plan you can possibly have is the one that can be as aggressive as possible while also being conservative enough to let you sleep at night.
An old and generic rule-of-thumb is to take your age subtracted from 100 and put that much into stock. So, if you're age 23, you get 100 - 23 = 77. This means you put 77% of your total investment account dollars into stocks and the rest, or 23%, into bonds. Again, that's very generic and not tailored to you, but you could do much worse to start.
Instead of weighing the cost of a traditional planner against the affordability of a place like Betterment or Wealthfront or others, I would look for alternatives including a better financial education. Oops, that's what I do. Shame on me.
If you still have a question, feel free to let me know. We'll figure it out.
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