<prompt> Human: So about 18 months ago I decided to get a personal financial advisor. I didnt really know where to go, and I listen to a lot of Dave Ramsey, so I used one of his ELPs. This ended up being with Waddell Reed. I moved my old Roth IRA and some of my wifes old retirement accounts She is a stay at home mom now to him. I contribute 20,000 a year to these accounts now, and have around 80k with them.Anyhow, he has now left Waddell Reed. Which is fine with me, because the results havent been outstanding with him so far. Plus I dont like the fact that they use their own funds instead of some of the larger known ones. He called me up this week, told me he left, and wants a meeting with the company he is at now. Im sure he wants me to move my business.Then of course my new account manager at Waddell Reed called today to setup a meeting as well... Plus my neighbor works for American Funds, so he is recommending someone to me as well.Is there some good questions I should ask when I meet with these people? Any reason they would give me a deal to move my money over to them? I really dont like the thought of paying 4 or 5 to move from WR to some other firm I think this is how it works? ... If it helps: Im 36 I make around 130k a year, 85k from my normal job, the balance from my side business. My current guy that left WR has given me some good advice, such as starting a Roth IRA for my side business and re-balancing how much I put into my regular job 401k vs everything else Kids 529, Roth IRAs, etc...What should I do? Im not really into picking stocks or funds, I just want a professional to do it for me and give me a good road map through my life.Assistant: Dude, youve got 80k in assets under management, why cant you do this yourself? Its not very complicated. Roll over your Ira into vanguard and pick a target retirement date. There are people that get paid to figure this stuff out for you, and the admiral share funds has awesome expense ratios. Human: Well, Im pumping 20,000 a year into these accounts, so it should grow pretty quickly. I agree that it isnt overly complicated, but I was thinking Lets just pay a professional to handle this for us ... Probably the wrong approach to take, but advice has to be worth something, right? My largest problem is my lack of time. I work 50 hours my regular job, 2 kids under 3 at home, plus my side business that I put another 20 hoursweek into. There are only so many hours in the day.With all that said, Im going to look into Vanguard and some of the others have suggested. If they have some auto-pilot program that can manage all this with little interaction from me and less fees, Im all for it.  <response>: If you subtract the 4-5.75 front load fees that youre probably paying only about 19000 actually makes it into your account. 