<prompt> Human: Using a throwaway for anonymity, and Im sorry if this isnt the proper subreddit.I have a little over 1 million across my retirement and investment accounts. I currently pay a 1.15 fee for all gains in my accounts to an in-person adviser.I signed up for Personal Capital, and they gave me a free consultation. The short of it is that they will charge .8 and are recommending getting out of munis in favor of ETFs and diversification, namely international stocks and bonds.Has anyone had experience with them managing your funds? Is it worth switching?  <response>: Why not just do it yourself? 1m is a nice amount of savings depending on your age, but its still not enough to justify paying an advisor 1.15 of assets under management, or PC .8 for something you can easily do yourself. Pretty much anyone can successfully manage a 3- or 4-fund portfolio after an hour of reading and 30 minutes of work each year. By doing so youd likely quarter your funds expenses and eliminate the management fee.Here is a nice site that shows the effects of expenses on your savings. 