As for an advisor vs doing it yourself. I have my two old 401Ks rolled into IRAs (one Roth one traditional that hasn't all be converted) and I do pay 1%. I've thought about taking them back as I've learned more and more over the last year. But, I was also careful with who I chose as my advisor after interviewing a couple and I don't stick with him just because I think he'll earn more in the market. Over the three years I've been with him, I've appreciated having someone to goto when we were thinking of selling our house, when my wife has opened her side floral business, and on a couple other topics so that advice has been worth the % I dont really notice.
I think its all about the individual person and the advisor
I think its all about the individual person and the advisor