<prompt> Human: what do we do!?So basically I have a family member who has Alzheimer symptoms stroke symptoms and cannot handle her own affairs. She has relinquished control of her moneyestate to my father. The family member in question is about 58 yrs old and is staying in a facility that helps and treats patients with her symptoms for around 5000 per month.Currently, she has an IRA that Ameriprise handles that is worth around a million dollars. Is Ameriprise any good? I feel she needs something that is very low risk, but that can hopefully fund as many months as possible for her in her new home. She will most likely live for quite a few more years and I am trying to figure out the best way to keep on generating money for her that is safe. please let me know if you have any suggestions. Thank You. Assistant: Ameriprise can charge from 0.5 to 2 per year, plus a yearly fee.I would transfer to Vanguard and put in a conservative fund Bonds or target date with a closer date, not one for their age and you will likely be drawing more than it earns. Likely expense ratio around 0.25 and likely lower with that amount of value. Saves an extra 10k a year that can go towards care.Human: thank you! what do you mean by target date?what about vanguards retirement etf? I believe it is like 80 bonds and 20 stocks.Assistant: Target date funds are funds that start out at something like 1090 bondsstocks when theyre like 40 years out, and then slowly glide towards 7030 as you reach the target date.How much longer is he expected to live? If its short term like 5-10 years, then something like the 8020 bondstock fund VASIX would be fine to use. Human: alright thanks a lot!Everybody constantly recommends vanguard, what makes them so good?are there any others worth mentioning?  <response>: Their funds have very low expenses, so you keep more of your money. 