[Mrfriendly]

In June 1921, I consolidated multiple sources of IRA and old 401(k) retirement monies. I went with Vanguard and their advisor service. I have one advisor who I meet with quarterly over the phone. I am basically a 55/45 stocks bonds which keeps me fairly steady from big dips, but unfortunately also from big increases. The third of one percent fee they charge is relatively small but I still scratch my head at times wondering why I give $1000 or so every quarter to them. I guess I should be happy that the quarterly amount is increasing. .