Not only are you paying 1% you will likely be limited to Fidelity's funds. OTOH there are worse places to be.Self-directed investors make three errors that hinder them. First they place themselves at unforeseen risks by inappropriate diversification. Next they fail to adjust their holdings regularly to reflect changes in the market. Finally they make decisions emotionally rather than using critical evaluation and discipline. A professional can help you avoid these mistakes.www.NAPFA.orgwww.GarrettPlanningNetwork.combuzmanMember, NAPFAMember, GPN
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