Financial Planning

I suspect like me, most HD members are against paying large yearly fees to investment advisors. I have made all of our investment decisions and have done pretty well. I also do our taxes.

While I have no immediate plans to stop, because my wife has no interest in any of it, and is considerably younger, chances are she will be left alone at some point to figure out RMDs, SS, taxes, asset allocation etc.

I have looked at Vanguard, Fidelity, Schwab, independent firms etc and have never been convinced they are worth the money, even if necessary in this situation.

Do you pick bare bones and pay 0.3% fee with additional fund fees for total of 0.6%, or up 1% to 1.25% for  individual advisor you can develop a relationship with?

The times we have tried either alternative I did not feel we got more than expensive index funds.

Does anybody have any experience with any alternatives, or a firm that will just deal with the income, RMDs etc and leave the stock picking to someone else?