My fiancée has everything on their IRA in the short term cash account and is thinking of being more active with it. We had some questions we wanted to ask a vanguard rep directly on a call but we decided it couldn't hurt to first ask them here and then go from there.

What is the benefit of utilizing the digital advisor over personally investing in the Vanguard ETF by oneself?

Would it, after the initial period, start diversifying into other ETFs, or would the digital advisor's main function be to slowly start restructuring more into bonds?

Would the fees be $7.22 dollars for the advisor + $2 for every $1000 dollars invested?

Would there be any additional fees (other than the two previously mentioned) for keeping them on the all-index plan.

Can they switch off and on from the digital advisor whenever they want?

What level of input can they have into what the digital advisor does?

if they don't use the digital advisor; would they still be subject to $2 for every $1000 dollars invested through vanguard?

I am just getting started with learning about the different peptides; I keep seeing that Ipa + CJC is considered the gold standard. I understand that this combo is most beneficial in people over the age of 35. As a 26-year-old, is there any benefit to taking those, or should I stay away from it? I am planning on getting my IGF-1 and GH tests done before I commit to them, if I will; I am mostly interested in the cognitive, recovery, and weight-loss benefits this combo seems to claim to provide. Could someone maybe point me to something better suited for someone my age so I could do more research? Or is it still worth it to try those in my case?