[freebird5825]

I'm a little late to the party...
Your friend is very lucky to have you helping her. She wouldn't be asking if she didn't trust you.
I'm glad to see you are consulting with VG.
You probably already know this, but watch out for the portfolio churning thing. My late FIL2b and then MIL2b were both taken for a ride for too many years with constant transactions on top of high management fees.
dh2b cringes to think about how much was soaked out of their account over several decades.