<prompt> Human: I started a Roth IRA when I was around 2122. It was started with a small financial advice firm - they put my money into a Roth with Franklin Templeton. Eventually, the small financial advice firm closed down, which did not affect me. Since then 3 years ago, Ive had no advisor on my Roth IRA. Ive done absolutely nothing on my Roth IRA except max out my contribution every year, nor do I know anything about investing. When I log into franklin templeton, it has a little pie chart of my Asset Attribution. It says 100 Asset Attribution but I dont know exactly what that means...however I think Im supposed to have diversified assets i.e., more than one piece of pie in the pie chart.So...Ive read reviews online and a lot of people say go to Vanguard because it has no fees. Im not against that per se, but I do trust the family friend a lot hes also mormon fyi...just saying. Additionally, I dont think I have the time, energy, or inclination to manage investments so Id rather have someone do it for me that knows it better...this does not mean Im willing to pay outrageous fees or anything of the sort, its just that its arguably better for me to focus on my own workfamily than it is for me to try to learn all the tricks of investing. I trust the investorfamily friend, but his hands might be tied to a company that has greedyusurious practices.With that said, looking for adviceopinions on my situation Edward JonesVanguardetc...EDIT: PLEASE IGNORE MY REFERRING TO HIM AS A FRIEND. HES SIMPLY A PERSN I TRUST...I UNDERSTAND THE COMPLEXITIES OF HAVING A FRIEND MANAGE MONEY. HE IS NOT MY FRIEND, JUST SOMEONE OUR FAMILY TRUSTS. IM LOOKING FOR INPUT ABOUT EJVANGUARDOTHER OPTIONS. THANK YOU!  <response>: If you dont want to manage it yourself, just allocate it all to a Target Date fund for the retirement age you think you will retire. It will automatically allocate appropriately and rebalance for you. You dont need to pay someone a large chunk of your savings for that. 