Tax loss harvesting doesn't have that big of an impact for most people, and has little to do with the detailed tax planning that high net worth individuals expect from the firms they work with.

It also only impacts non-tax advantaged accounts and investments and provides much less value than advertised. In fact iirc Betterment's own white paper on this demonstrated it's expected savings to be far less than what Wealthfront was marketing at the time.

http://www.etf.com/sections/blog/23212-inside-robo-advisor-t...