That's pretty impressive so you're doing well!
Welcome to the forum. I can't add anything to what the others have already said, and agree that Ameriprise is fleecing you.
If you go the DIY route you don't have to beat the "pro" money managers. You just have to do slightly better than equal what they do minus their fees and you're still ahead. That's why so many people like Vanguard, Fidelity, and Schwab because the fees make so much difference over time. But in reality, you'll likely do better - much better - if you pick low-cost index funds and just sit on them rather than doing a lot of trading.
Two more book recommendations are "The Millionaire Teacher" and "How a Second Grader Beat Wall Street". Easy read and they clarify what some people think is a complex subject and make it easy. They are where I learned about the "Couch Potato Portfolio". The books also emphasize more than most other books the difference that fees make over time so that's why I recommend them.
If nothing else you could just pick a low-cost target date fund, put everything in there, and you'd still be ahead from what you're getting from Ameriprise after the fees they charge.
). After all, everyone was happy until the true charges were laid bare by the troublemaker.
