<prompt> Human: I am 27 and have been very lucky to receive quite a bit of financial support from my grandparents over the years. I already have an investment account with 30,000 that has had about a 9.5 rate of return. The drawback is that I pay a 1 management fee on it. At the same firm, I have a 10,000 IRA that I dont pay a management fee on. I will shortly be inheriting close to 100,000 since my grandma passed away and am trying to decide how to best move forward. Ive been thinking about moving my account for a while, either to another place where I can have a person manage it for .5, a robo-adviser for .25, or just buying Vanguard funds and managing it myself. The thing is, Im not really at a point right now where I know enough to feel confident about successfully managing my own money. I know that fees can take a toll over time though. I also dont know if its worth investing all of it if I may want to use part of the money for a down payment in a few years, which is why having someone to consult is helpful. I would appreciate any suggestions or any recommended resources to help me learn more about investing myself.  <response>: Im sorry for your loss, but it sounds like now might be the perfect time to learn about managing your own money. All the options you presented are reasonable, but over the long term, youll be happy you learned earlier how to do this on your own. Having someone to consult with IS helpful, though! Why dont you look for a hr financial advisor you could engage on an as-needed basis. He or she can help you set everything up, and then once a year, you can meet to go over your goals and progress. It will be cheaper than paying a traditional financial advisor but give you the peace of mind knowing youre not doing this alone. 