Schwab has free advisors and free etf and mutual fund portfolio builders online. Why pay someone 1% or more a year to do what you can do for free.... Before you know it you’ll have 1 Million or more in your account, 1% fee is a CHUNK of money. NOBODY beats a balanced portfolio over a 20 year period. Open your PCRA and look for The portfolio model link. I would avoid just using the target funds in the Schwab acct.