[Thremp]

tannej,

I'm advocating you use someone who pays you for the time it takes to set efficient frontiers or whatever other planning service you need and then using Vanguard or Index funds to set the positions, instead of paying a company a fee for doing this stuff for you that will increase each year, while the quality of service you get will not. (Why should you pay 1% of 80 mil when other people pay 1% of 800k for the same service?)