[wdcbooks]

I am a passive investor as is clear from my relatively few posts here. Even so I think that among loaded funds there are far worse choices than American Funds. Your asset allocation doesn't look bad at a glance.

Please understand that your advisor is a salesperson who gives advice as an auxiliary part of their business. They want you to move your money from Fidelity simply because they don't get paid if you don't bring the money over. It rarely has anything to do with your best interests. Given your past experiences and what sounds like a tendency towards market timing and pooer experiences with self-directed investment I think this relationship may be costly, but you can also succeed using American funds over a sufficiently long time period.