ERD50
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
...
I'm doing a triple blind study on managing the money.
1) another managed account
2) A computer managed account (taxable account)
3) my management of dividend stock picking and ETF's
Vs the current broker
What is the intent here? Are you saying you are going to run an experiment (which could take many years to catch both up and down cycles in the market) to determine how best to invest for an 82 year old?
There's plenty of existing studies, this makes no sense to me at all.
You seem to be focused on the bugs on the moss on the bark on the trees and missing the forest. You never answered the basic questions I posted earlier:
What's the AA? What are the fees? How dependent is the owner on the portfolio (maybe they get by on pension and SS, and this is just 'gravy')?
Is there someone else who could be named guardian? No offense, but it doesn't appear you have the right skill set for this responsibility.
-ERD50