Yes this company is legitimate. No it's not a scam. No, these aren't fake reviews. Some of these reviews are hilarious at trying to make a company look bad. I first discovered Planswell through a Facebook ad that appealed to me. Something along the lines of At what age can you retire?. After putting in basic contact information, it was followed up with a call. This part was no different than any other followup to a product request. What made it different was the service that followed. I didn't experience any high pressure sales tactics and the agent was very transparent about how he was paid. Skeptical at first, I later researched Vanguard, iShares/Blackrock, Warren Buffet's $1M bet, etc. I'm not in finance so I'd be a moderate knowledge investor at best. In the past, I have had mutual funds from big banks and I've also dealt with investment firms that talked big until I told them I didn't have the $250K or even $350K minimums. When I left my previous discount bank, I thought I was practically getting away with robbery because I was only paying a 1.35% management fee. One of the biggest differences with ETFs is the significantly lower fees, which literally translates into more money in your retirement nest. Lastly, with most banks, anytime you need something, you talk to someone new. I like that with Planswell, I've always dealt with one of a few people. I can't speak much to the other comments about Planswell being over simplistic because honestly, most people aren't financial experts so it doesn't seem like a good business practice to go over someone's head with information, then expect to earn their business/trust. Overall, I'm very satisfied with the advice I've received and the direction my investments are going for the future! I would recommend anyone interested in planning for their future to check out Planswell.