Where are your investments (general, IRAs, rollovers, etc)

[aspentosh]

We've been paying for a financial advisor for a few years, but at the price we pay each month I want to rethink that strategy.

In the past we've done target date funds and I felt like that worked for us. The main draw to this advisor and his company was sustainable investing, which I see now Fidelity and other places do. 

We have two rollover IRAs, two Roth IRAs (still have monthly contributions), and our general investments (also do monthly contributions). I would love to have them in one place with fairly hands off investing because neither of us have the desire to nit pick and keep too close an eye on it. I would *love love love* it to be sustainable investing. And I would love the ability to check in with an advisor for an hourly fee maybe once a year.

So, does anyone have recommendations for me?  

[mae0111]

If you want truly "hands off", target date funds can be good. BUT, they can be expensive because you're paying the fees on the underlying mutual funds, and you're also paying a fee for the consolidated management.

When I managed our portfolio, I invested in ETFs, especially in taxable accounts. Mutual funds often have higher capital gains due to the structure of the funds. With ETFs you may have to pay a trading fee, but many platforms offer a lot of commission-free ETFs.

We now work with a fee-only holistic wealth manager that does not have their own products - they invest our portfolios in ETFs. They will do sustainable/ESG investing as well. We like them because they help us with all aspects of our financial lives, not just investments - insurance, estate planning, legal, business structure, etc. It's a little pricey but worth it to us.

[Poppy]

We mostly do target date index funds or approximate those with total stock market/total bond market index funds. Basically the boglehead method.

There are SRI (Social Responsibility Index) funds as well.

We did pay a fee only advisor for a consult but pretty much we're on autopilot now.

[bee20]

I have mine split between 2 of the big brokerages, I like knowing that if there was some crazy scandal or account problem I wouldn't be penniless in my retirement. It's probably paranoid but my aunt is still working because her pension was converted to Enron stocks when her company was acquired and then, well...she's still working part time at 70.

I keep one of my accounts in a target date fund, the other I manage myself. For the self-managed one I just check on it quarterly and add more money based on recommendations from bogleheads.