# Reviewing my family's investment fees and considering a switch. Looking for reality check
# Current situation(managed):
* Total fees: \~0.76% annually across retirement accounts
* American Funds A-shares (\~0.60% expense ratios) + Fidelity Advisor M-shares (0.99-1.17% expense ratios)
* Advisor gets 0.25% trails, no separate advisory fee
* Services: Trade execution when we call, no proactive planning/tax optimization/reviews
**Options I'm considering:**
1. **Vanguard Personal Advisor:** 0.30% all-in (CFP, tax-loss harvesting, planning)
2. **Fidelity Personalized Planning:** 0.50% under $500K, then 0.35% (similar services)
3. **DIY target-date funds:** 0.08% (Vanguard or Fidelity, fully automated)
All options move us from "actively" managed funds to low-cost index funds
**The math:**
* Fee difference \~$400K-600K more over 25 years
* DIY route (0.08%) = even more savings
**My questions:**
1. Am I overreacting to fees, or is 0.76% → 0.30% a no-brainer?
2. Vanguard vs. Fidelity for advisory services—any preference?
3. Worth keeping current advisor for relationship/familiarity despite higher cost?