The easiest way of analyzing the investment expense is to just include it as another planned expense in retirement. The retiree needs to pay for food and housing and gasoline and travel and many other expenses out of their withdrawals. If you're going to use a financial adviser that charges a fee, that fee has to be included in your planned expenses.Exactly, and that is what we do as we use a financial advisor. On this board, however, people routinely get slammed for using an advisor, and one of the reasons is the fee. From my point of view, as long as I have included the fees in my retirement budget, and I have, then it is just another expense line item.
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