<prompt> Human: Hi PF.I am am active member, but I am using a throwaway to protect identities and hopefully prevent feelings from getting hurt. Im looking for advice on how to tactfully withdraw my balance held at a financial planner who also happens to be a family friend. I inherited this balance under 40k, but an extremely advantageous head start for someone my age that was already under management from this firm. They are good people, but they advertise the advantages of active management and charge 2 fees on top of the associated fund fees. Granted, some of their picks are low fee vanguard funds, but not all. Needless to say, they dont fit my boglehead mentality. Regardless, knowing what I know now Id like to consolidate this balance into my existing vanguard account or, since I am still relatively novice, perhaps betterment until I have a smarter allocation strategy and plan for the money and eliminate the 120 exodus in management fees I see quarterly. I could use tips on how I approach this with the advisor without ruffling feathers or burning bridges. I know at the end of the day I can simply say it is my damn money, transfer to XYZ account and dont ask questions but that is probably not the most tactful way to execute this. The account is not tax advantaged or anything, just a nest egg for a rainy day home purchase downpayment or something. Thanks!  <response>: You could take the cowards approach and have Vanguard do it all for you. Theyre really good about doing most, if not all, the paperwork and phone calls for you, usually only requiring you to sign a single form which is sent back to Vanguard.Only give your excuses if he brings it up to you in conversation. I like the I wanted to take a more active role in managing my investments approach that was mentioned a couple times already. 