Originally Posted by LOL!
...@pb4uski, did you read the explanation of why the recommendations were so much like a target retirement fund? It's because the advisors recommended a target retirement fund as explained in the subsequent slides. They said, "Buy a target retirement fund."...
That was true in one case, Garrett Planning Network, which was one of the one's that I liked. The other one that I liked used the same funds as the Vanguard's target date fund but in different proportions.
I see now that Orr recommended STAR. I actually like STAR and have held it in the past, but at 38% fixed income it is more bond heavy than I would like for a 35 year old.