Anyone used Personal Capital’s financial advising services before? Were they helpful? Did they charge an arm and a leg? Trying to see if it’s worth engaging them...

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Step 1 with financial advisors is making sure that they’re a fiduciary. John Oliver did a nice special on this, but the short version is that most FAs are not fiduciaries. Only the fiduciaries are legally required to act in your best interest (versus recommending funds that have high fees, etc).

I got my first ever FA one year ago and through my research I learned that learned Vanguard is the best in the game. They are al fiduciaries, and they have the lowest fees ($300 per $100k managed). Check them out!

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Thanks!

I have looked into it before and it’s expensive compared to other robo advising services

Thanks!

Yes, I have PC—accounts are doing fine, but they are SLOW and over booked and takes eons to get a call with them (unless they’re trying to sell me something). Fees are .9% (so fairly high). Vanguard is .3% and they’re much friendlier and less pushy.

Thank you!

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