Overall good meeting with Vanguard FA
I've always adhered to the philosophy of "I don't know what I don't know." So, to play safe I scheduled my free FA consultant "check-up" just to see if any changes need to be made.
Good news is he verified that all looks solid. In line with my generally conservative approach - and my wife's even more risk-averse mentality - he suggested I reduce my current 60-40 allocation to 50-50, which I'll likely do.
I did get a pitch for a fee-based consultant (i.e., the gentleman I was talking with). Fee is 0.3%. But in my case the only meaningful service I would get would be quarterly rebalancing; this was one of our topics of discussion and my stated concern that I wanted a lazy man's portfolio, as long as I remembered to rebalance.
On a million bucks, that .3% = $3000. I think I'll put a yellow stickie on my refrigerator that simply says "0.3%" and that should be sufficient reminder to me without having to pay someone.