re: Rollover IRA

Fee based advisors will charge around 1.25 and 1.5 percent for 200k in assets. That fee will determine to you personally if it's worth it. As a FA myself I would say just to go to a couple and see what they say. No FA will charge you for a second opinion so it's a win win. Of course right now times are good so it's harder to justify using one but what I try to reiterate to clients and prospects is that where we show our value the most is setting portfolios up moving forward and not just for now. For instance in equities you want to be a little more invested in mid cap value funds/companies bc moving forward that's where you'll most likely see better returns. Historically those companies lead the way out of a recession. Another example is where to position yourself for when interest rates start rising.

Another thing I'll say is if you are a buy and hold index fund guy, having an advisor may not be AS important and valuable to you but I would still consult with a few just for added knowledge going forward. Good luck