In my opinion, you have two options:
1. Open an account with Vanguard and invest 40 percent in the S&P 500 Index stock fund, 20 percent in the short term bond index fund, 20 per cent in the total bond market index fund, and 20 percent in the money market cash reserves fund.
2. Pay Fisher Investments 1 to 1.5 percent of your total investment portfolio each year to select the investment products for you.
I would advise you to choose option 1, and I have been doing that for over 40 years. I have never paid an investment advisor a penny.
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