VTSAX ER .05%
VTIAX ER .14%
VBTLX ER .08%
That's about $710 per million on a 60/40 AA - or an average ER of .071% (I used 50% total stock, 10% international, 40% total bond. Not a recommendation - just easier mental math).
Call Vanguard, set up account ( they're great), transfer funds ( expect transfer fees), cc copies of your email and the FAs response to any superior or partners he may have. They may not be happy with him. You may well be doing someone else a favor.
Keep in mind that .5% fee equates, over 25 years, to 12.5% of your returns being given to the FA. Hopefully you checked for FINRA complaints against the FA before you signed with him. Any signs of real possible misdeeds a FINRA complaint is an option. Any FINRA complaints can be checked online, and if one shows up on an FAs name, it's a big problem for me. The report will also mention of the complaint was found to be in the FAs favor or the investor's. I'm nasty. Helping DW get her inherited IRA moved, I mentioned FINRA (knowing the guy had 3 complaints, one found against him) on his record. He visibly paled. He had done nothing wrong with MILs accounts, but he was an arrogant type. Much like me lol. We not only ended up transferring the inherited accounts out his hands, but DW had considered staying with him and having him manage her accounts. She deferred to my ( strong) suggestion though and the FA - and his boss - watched a million dollar plus account slip through their fingers. Wonder if he still works there?
Anyway, Vanguard does have other options such as the Wellington and Wellesly blended funds, and you may prefer an actively managed bond fund. Some people do. They also have some nice muni bond accounts. We live in Ohio, and there is a muni fund for Ohio which offers tax exemptions. VG is really good being patient and discussing options. They'll even do a first time free analysis of your assets and suggest allocations, if you want. But it's hard to beat the big 3 lol.
Good luck
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