I am meeting with TIAA-CREF Financial Consultant next week to talk about my portfolio. Right now I am using a Financial Planner that I pay a fee based % of assets managed. About half of my portfolio is in Fidelity Funds and Half is in CREF TIAA funds. Those were the two Plans offered through the University I worked for. Just wondered if anybody has any opinion on using the knowledge of a Financial Consultant that is part of the TIAA CREF financial services , There is no charge for his services. I am currently paying my Planner about 4k every year. Just wondering if anybody has an opinion on this?