Well, the tax advice is relevant because it is the U.S. tax code. Since neither FL, nor TN, have a state income tax, her advice would not be altered. I agree, an advisor is not necessary, especially if you are one of the very rare few who actually read and understand all the minutiae in your funds' prospecti. I am not. I also do not spend my days monitoring the direction of the economy, deciphering jobs, unemployment, CPI reports, PPI reports, and various investment sectors on an ongoing basis. I leave that to her firm. You may be a Buffett can read the signs and omens that allow you to best endure market shifts. In that case, I tip my hat. However, you did make it clear you are not an investment advisor.
For mere mortals like myself, I'm happy to allow the professionals do what they do. I'm glad your methodology is working out for you and you are happy with it.
PS- I get a human, her, when I call also. I don't get a random phone operator at Vanguard or Edward Jones, or even Fidelity.
PPS- your "no fee" investments actually do have fees. Quite a bit higher than most believe. Just sayin.
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