NEW YORK ( AdviceIQ) -- Face-to-face contact is vital when you make a financial plan. Recently, several advisory firms sprang up offering financial advice over the Web or phone. The idea is that these robo-advisers charge less than advisers offering in-person service. Well, you get what you pay for. Advisers are not only for the rich and, yes, you can get a good flesh-and-blood adviser who charges a very reasonable fee. What's the value of meeting personally with an adviser? Human interaction is far superior to a phone or online conversation. You can buy a diet book that tells you how to lose weight. But sticking to its lessons is difficult. The reason Weight Watchers is so successful is that you get encouragement and better information from actual people. The human byplay also renders tips that are tailored to you, not to a cookie-cutter version of you.