Been going back and forth with a Fisher Investments rep for a bit now, and they’re saying they could boost my net returns by around 4 to 5 percent even after fees. It sounds tempting, but also a little too good to be true. The way they present their analysis feels convincing, though part of me can’t shake the skepticism that always comes with big financial promises. For context, I’m 52 and more of a “set it and forget it” type when it comes to investing. My portfolio sits at around 10 percent bonds, 50 percent in VOO, 10 percent in VTI or small caps, and the rest in target date funds. It’s spread across multiple accounts I’ve built up over the years, which probably makes it less balanced than it should be. Some areas are clearly overweight, others underweight, and I know I could fix it myself with some rebalancing, I just never get around to it. That’s where Fisher caught my attention. They make it sound like they could simplify everything, fine-tune the allocations, and pull better returns out of what I already have. But the fees aren’t small, and I keep wondering if the results would really justify the cost or if I’d end up in the same spot, just with less in my pocket. My plan is to semi-retire in about 10 years, so I’m trying to make smarter decisions without getting too aggressive. Curious if anyone here has worked with Fisher or a similar investment firm. Were the fees actually worth it long-term, or would a well-balanced self-managed portfolio have done just as well?

I've (52M) been talking with a Fisher rep for awhile, I've been through the analysis process, and they make a fairly compelling case that, net fees, they could improve my returns 4 to 5%.

I'm skeptical, but I'm also a "set it and forget" it investor, about 10% bonds, 50% VOO, 10% VTI/small cap, and the rest in target date funds.

My portfolio is a little unbalanced and spread over a bunch of accounts I've accumulated over the years. Overweight in some areas, underweight in others. I could consolidate and balance, but I hate to think I'm leaving money on the table with a mostly hands off approach. Hoping to semi-retire in 10 years.

Anyone using Fisher, or other similar firm, and feel it's worth the fees?

EDIT: Fisher fee is 1.25. Most of my ETFs are .03 to .1