45th Birthday
Recycles dryer sheets
I'm not sure why it took him eight calls to mention this, but maybe there were more pressing issues to deal with? Fidelity has target asset allocations, and they put quite a bit of research and analysis into them. Advisors usually stick pretty close to these. You can (and should) ask how they arrived at what he is recommending. You can then agree or disagree and make your own decision. I don't think it's a matter of following the herd at all, but it seems like 5% is too low.