When I look at most planning for retirement advice (I know you agree with this), I find the assumptions pretty questionableI have to agree with this. I rarely see professional advice approaching anything I would consider reasonable, and to pay for this kind of advice would add insult to injury... just imagine all of the people who were 80-100% in equities based on professional advice and the thumping those people have taken (or still are taking, to be precise)... imagine paying 1-2 % fee on top of that, which is pretty much the going rate. Maybe some professionals recommended lower stock allocations than 80% (haven't seen many though). I would most like to see the professionals that steered people out of equities at an appropriate time. These are the people that would get my business, but there probably wouldn't be very many to interview.-hack
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