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On the Your Money, Your Wealth® podcast, Joe Anderson, CFP® and Big Al Clopine answer this question from TJ in Denver: "Hi guys - love the show. Thanks for keeping me entertained financially. I’m 34 and my wife and I have $250k in retirement assets all with Vanguard. This is in my 401k (Roth & Traditional) and a Roth IRA for each of us. We max out the latter and I should max out my 401k next year or by 2020 for sure. I also have $3k in a brokerage account with Betterment. Love that I can buy fractional shares. My question is should I partner with Vanguard Personal Advisor Services at only 0.30%? I want them to help guide me to retirement and ensure I’m saving enough do a possible “early” retirement (55-60). And saving for my 2 year olds future college. I also think they’ll be helpful on withdrawing down the road. I get access to a dedicated CFP once I’m at $500k which it’ll be in 5 years or so. Vanguard feels like an extremely safe choice for financial planning assistance. Am I missing something? Thanks for the input guys!"
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