re: How hard is it to handle your personal investments?

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So if RJ charges me 1%, what does that mean in the grand scheme of things

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Depends on how much you have with them. If your account isn't that large (meaning $250k or so), it can be an okay deal. You get financial advice from someone who maybe isn't that well educated but knows enough to keep you away from major mistakes.

Understand though that this is not about "beating the market" ... it's about keeping what you have.