Before the Advice, Check Out the Adviser
No free lunch, but there is an inexpensive one. Use Vanguard. Its online tools and education are excellent and its telephone advisers first rate. Vanguard's prices are the lowest in the industry. I spent yesterday evaluating Vanguard funds ( it's part of my job) and IMHO no fund family has better performance across the board. And no, I do not get paid to say this. Vanguard is where many investment professionals put their own money. It is where Warren Buffett has stipulated his wife's money will go when he dies.
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