I pay Betterment something like ~$180/year for over $100K in assets, and it includes tax loss harvesting on my non-retirement accounts. Could I go with Vanguard and their terrible web interface with less features? I could. I don't mind paying Betterment what I do though. I don't want to waste time on managing my stock/bond assets; I just want to fund the account and have it be managed programatically.

https://www.betterment.com/pricing/

Don't forget to take taxes into account. Vanguard's Target funds are not at all tax-optimized, no private wealth manager would put the total/international bond market funds in your taxable account. IMO this is one feature the roboadvisors clearly have going for them.

https://www.betterment.com. I don't believe its available for Canadians unfortunately.

Wealthsimple is the Canadian clone. If you're interested here's a referral link that gives us both an extra $5k investment without fees: http://wsim.co/1LcrxXW.