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The tax savings I get from them is much more than the annual fee. I converted the portfolio to 100% US stocks btw. Sure I can harvest losses myself but that introduces emotion and watching the market carefully.

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Don’t understand this. The tax savings only come from realized loses. In the long run SPY will likely best that including your “savings”.

This article from their help center explains the methodology: https://support.wealthfront.com/hc/en-us/articles/209348486-...

How do you do this? Isn't max risk like 45% US stock?

You can lower or remove the other areas. Also can add direct indexing.

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