I've heard some bad things about "full service brokerages" but to each their own.I won't go so far as to recommend a specific target date fund. They're not all the same - two "Target: 2040" funds can have pretty different mixes. You do have to do some research to identify one with low expenses and an asset allocation that matches your goals and risk profile. But the good news is that you only have to do that research once.If you want individualized advice, that's OK too, you'll just pay for it, but that's a reasonable choice. You still have to watch out that the adviser is making decisions/recommendations in your best interest and not your own. (Which would also be true of target date funds.)
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