<prompt> Human: Tbh, I dont really know what I should be doing with my retirement account. Its partly my mandatory account, a 401A, and partly voluntary, 403B. I got a letter from the financial company to pay for a managed service. Is this a good idea?  <response>: Youve made it to the subreddit, so you could likely get free opinions on what funds to use if you give us your risk tolerance, timeline to retiring, etc. and save potentially tens of thousands of dollars over a career.Asset allocation and fund picks is relatively simple once you study a bit. The advisor fee wont protect you from volatility, youll just have a little less of your savings when you retire ... the market, time invested and your fund choices are impactful.Lastly, I wouldnt pay for a managed retirement account.Good luck. 