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@rosepetel Not a cop out and let’s keep it nice. My FA knows everything about me and has been told how much I want to have per month in 2019 dollars at 55 or 60. His only job is to get me there. We have never discussed risk tolerance because I have never used that as an input. My concern stems...

@guani360 The allocation is determined by my FA, that’s my point. I don’t want to assess how well he did assuming the allocation he chose, I want to assess how well he did period, given my horizon. The allocation he chose is obviously a big part of that. For the record it’s currently 80.03% eq...

@guani360 I could, which would be laborious, but isn’t that just a question of math? I don’t think they’re stealing from me(!), I’m just not sure how effectively they’ve been investing on my behalf. I’m now 43, want to retire at 55-60 and have over $1m with this institution. They have complete...

@1glowingember This is a great answer thank you, they’ve all been helpful but I really appreciate the thoughtful input here.

4.5 years ago my wife and I (39 at the time) decided we needed to have a money manager. We're not gazillionaires but we have good salaries, save a lot and got tired of thinking about money. That's not our passion and we hired an FA to outsource that aspect of our lives. There's lots of...