<prompt> Human: crosspost from rinvesting_discussionI am a 27 yo US Expat and unable to contribute to an IRA due to no taxable income because of expat income rules.I want to save money for retirement without access to IRA through monthly contributions, and this was the portfolio built for me.Standard Fee: The yearly fee for the Portfolio Advisory Service shall be 1.0 per year, based on a of current Assets Under Management AUM; for a value of 12,000 this would be an amount of 120 per annum.Fund Name: WisdomTree Europe SmallCap Dividend Annual Management Charge: 0.58 Percentage of Portfolio: 35Fund Name: SSGA SPDR SP 500 Annual Management Charge: 0.11 Percentage of Portfolio: 45Fund Name: SSGA SPDR International Telecommunications Sector Annual Management Charge: 0.50 Percentage of Portfolio: 10Fund Name: iShares Dow Jones US Real Estate Index Annual Management Charge: 0.43 Percentage of Portfolio: 10Cash: 2Since I cant contribute to an IRA401k, is this the next best thing, or am I missing out on better opportunities? Thanks!  <response>: Why do you feel the need to pay a financial advisor 1 fund fees when you could easily do the same thing yourself?Ditch your advisor, drop your money into a lazy portfolio and reduce your expenses by a factor of 10 or more. 