<prompt> Human: Attaching my Wealth Managers 2014 results below Jan 1 through Dec 2. Wondering what the consensus is here. I asked for a medium level of risk. Is the performance shown here considered decent for a medium-risk portfolio? Or are these results fairly tepid? Deciding in early January whether to stay with them or just move it all into Vanguard and manage it myself.Three accounts:1. Personal IRA - we fund this with a little less than 500month2. SEP-IRA - we fund this with around 1360month3. Investment Account - no extra funding, just a lump sum started in Oct 2013Thanks for any insights!2014 report: UPDATEThanks everyone for your help. Ive terminated the WM relationship and initiated a transfer of everything in-kind to Vanguard. Fingers crossed!Assistant: I consider the threshold for having a wealth manager to be around 10MM, at which point their fee should be 1 or less and they do more than make up an asset allocation. Given the numbers youre mentioning here a wealth manager is a totally inappropriate role. And anyone working as a wealth manager for someone as your asset level, unless theyre aware of a very large inheritance or IPO you have coming, is probably not very good anyway.Human: Yeah, I have none of that coming. It does sound like theres no real benefit to me staying with a WM. I broached the subject of shitty returns with him earlier this year and he played the Yeah, but wait until the market goes south and youll see how much less youll lose with us vs playing the market on your own card. Sadly I bought into that logic.  <response>: Youre the dream of WMs everywhere. : 