Vanguard Personal Advisor vs self-directed investing.
I'm looking for some feedback on investing (shocking, I know).
I've been with Vanguard and their Personal Advisor Service for a few years. I switched to them from a local financial advisor because their fee structure was a fraction of what I was paying and based on the advice of others. I now have a substantial amount of money with them (around $3M in non-qualified investments) and I'm expecting to add another $2M (also non-qualified) in the near future. In addition, I'm going to be rolling over my 401(k) which will add another $4M bringing my total investments with Vanguard to around $9M. That will bump me up from Personal Advisor to Personal Advisor Wealth Management. The fee structure stays the same at 0.3% (which is still a hefty $27K per year).
My 401(k) is with Nationwide and I'm 100% in the Vanguard Targeted Retirement 2035 fund (VTTHX). I looked at my year to date returns and the difference with my Vanguard investments is less than 1%. I know that's a small sample but it's all I have. I'm rolling over my IRA because I'm retiring now. I'm below retirement age but could access my 401(k) funds due to the Rule of 55 so the target date of 2035 may not be appropriate but VTTHX currently has a similar asset allocation as my non-qualified investments. So, I'm wondering if Personal Advisor is worth the cost? The Wealth Management tier adds more services which could come in handy but I expect I could get a flat fee financial advisor (like Nectarine or Facet) to help with tax planning, etc. for less than I'm going to be paying Vanguard. I could also stick with the Vanguard advisor service for a year until everything shakes out and then move to their self-directed side.
Thanks in advance for any and all feedback and advice.