re: 401k

quote:

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Empower Stock index fund 35.92% US bond fund 19.70% International stock fund. 14.05% Large cap stock fund. 9.45% Long bond fund. 9.45% Emerging market stock fund. 8.15% The real estate fund 3.28%

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Are you on your last 10 years of working before retirement? I assume so. If so, that looks like a mix that will average you 9-10% returns annually, which is probably about right unless you are very conservative and looking more to preserve assets. If you are indeed within your last 10 years, are making 9-10% returns on average with that mix, and Edward Jones (with their total take of about 3% annually) is beating that, I’d guess your Edward Jones advisor has you invested way too aggressively.