Perhaps you're bringing your unique knowledge and gaining access to someone else's professional network, or maybe you're able to learn a new skill by working with someone.

也许你会把自己独有的知识带入别人的职业网络，或者可以通过和别人一起工作来学习一项新技能。

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The downside: If one of the firm's staff financial advisers were to leave, says Chief Executive Bill Harris, a customer might have to choose between working with someone new at Personal Capital or jumping to a new firm.

WSJ: The New Money Apps