<prompt> Human: After lurking on this thread occasionally, Im a bit embarrassed to even admit that I use an advisor, but I feel that Im coming to a breaking point with my current FA. My questions are usually being responded to with lazy extremely short or canned marketing material responses. Ill soon have more free time on my hands, so managing my own accounts seems like a realistic possibility.Is there a consensus on where I should put the money I currently have with my FA and how can I potentially screw up the transition?Demographics In my 30s Live in TexasAccounts Two 529 accounts Two Traditional IRAs Two Roth IRAs One general investment accountI assume moving the IRAs and 529s over to a place like Vanguard wont be much different than simply selecting a target date fund similar to what my employer offers for my 401k. Im not sure what to think of the general account though. Overall, Im just having some anxiety over moving such a large sum of money for me around.  <response>: My questions are usually being responded to with lazy extremely short or canned marketing material responses...because hes focused on sales. Youre dead wood. Move to Vanguard. A target date fund is fine. Get away from this clown. 