Thanks BuildMWell. You reminded me that I left out some numbers. The $199,000 in assets is only for the American Express annuity inside of the SEP-IRA(part of the whole "parents burned" thread). The Vanguard account would be a straight SEP-IRA with starting assets of $183,000 ($199,000 minus $16,000 of surrender fees...ouch!) with much lower expenses but ends up better positioned. The 6% was just me being conservative. I'm in complete agreement with you in that I should be able to beat that.The outcome seems to be the same and I'm tired of them getting ripped off by this "financial advisor". Yeah, they lose the guaranteed 3% on the principal and the death benefit but beating 3% seems like a no brainer to me.Never thought about the ETF option...thanks for the tip.
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