Vanguard or TIAA-CREF personal asset mgmt?
Have about the same amount in Vanguard and TIAA-CREF accounts,plus some other 403b accounts from other employers...looking to consolidate. Personal Asset Mgmt is .3 at Vanguard, 1% at Schwabb, etc. Any thoughts or experiences? Wife and I are 52 and have left job market. I've run the numbers and we're in good shape, but should the specifics be left to pros? We're about 75% equity/10% bond/15% TIAA annuity at 3%. We were good in saving and investing, just worried about controlling the outflows efficiently with tax implications, best avenues of withdrawals, etc.
Most men lead lives of quiet desperation and go to the grave with the song still in them. Thoreau