<prompt> Human: Hey everyone,Vanguard recently informed me that I became a Voyager investor assets 50k and one of the new perks is discounted financial advice.For 250 normally 1k I can get advice on mutual fund selection, asset allocation, risk analysis, etc. Has anyone else used this? Do you think its worth giving a shot?Relevant info: 26 years old in Chicago 80k year software developer Yes, I have an emergency fund 15k 20k Roth IRA in 2060 Target Date Funds 30k in brokerage doing a simple 3 mutual fund portfolio: 50 Stocks, 25 Intl. Stocks, 25 Bonds  <response>: For 250 normally 1k I can get advice on mutual fund selection, asset allocation, risk analysis, etc. Has anyone else used this? Do you think its worth giving a shot?I havent gotten a financial review from Vanguard but lots of people on the Bogleheads forum have.Your situation is not complicated and theres no reason for you to spend 250 on a simple plan that you can put together yourself. 20k Roth IRA in 2060 Target Date Funds 30k in brokerage doing a simple 3 mutual fund portfolio: 50 Stocks, 25 Intl. Stocks, 25 BondsMultiple accounts should be treated as one big portfolio, these two accounts should not be considered independently for the purposes of asset allocation. Read these: Do you have access to a 401k plan or similar? 