A giant “2” on using the Schwab wealth managers. Our union is already paying them, so it’s no additional cost from individual FedEx pilots. They don’t push Schwab products, you can take their advice or leave it.
Nothing to lose, everything to gain. I’ve been impressed. For guys that want to set it/forget it for a plan that is individually tailored for your family, it’s great. I was told this service is normally $3-5k per year for individuals.