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Well, maybe the kinda "advice" I am talking about should be cookie cutter. I recently stumbled over the fact that I can pay the FA's fee from taxable funds, which means that we could have painlessly increased our IRA holdings by 4% over the past 4 years, and potentially deducted the fees on our taxes as well. I think that should be a "generic" piece of info handed out to investors, particularly those in accumulation phase or those with lots of taxable funds.

What does it tell you about him, that he *didn't* inform you of this?

Or when I again asked for the taxable account to be managed in a tax controlled manner, don't automatically think annuities are the way to go.
Are you saying that he suggested annuities? That's cookie-cutter advice that is usually *wrong*.

Instead, lets put our less tax friendly boldings in the IRAs, and keep the taxable account buy and hold, keeping the asset allocation the same when taking all the various accounts into consideration.
That's what just about every half-assed financial web posting says to do, as their #1 basic recommendation. This is even more basic that FA-101 -- it's more like the FA-050 level. It's telling that your FA didn't do this as a matter of course.

lets be age appropriate when investing my teen's Roth, not using the same asset allocation at the start of his savings that we are using at the end of ours

Everything you are describing says that your FA is marginally competent at best. I, however, would be unlikely to rate him that high, if a FA did all that to me.

Someone who spends many hours a day dealing with people's accounts, someone who has that alphabet soup after his name, should know these industry tid bits that they can share.
Yes, they should.

So why are you sticking with somebody who didn't?

Heck, I got all the advice your FA didn't tell you (including the bit about paying the fee with non-IRA money) from my guy at Fisher Investments, and Fisher only charges 1.25%.

Even 1.25% is more than you need to pay. All that advice and recommendations are widely available on the web for free. You just need to know where to start looking.

How much did you pay your FA the last couple of years? $8000? $15,000? How much of your own time would you consider to be worth $15,000?
If you value your time at $50/hr, then that's 300 hours you can devote to online reading & studying & education.
And I guarantee that you can learn 90% of what you need to know in less than 100 hours of reading on sites like and and and and and many many others.
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