Background…I’m in no way a financial guy. I have a surface understanding of various investment strategies. Also, I am not involved with it…I just invest the money and let it ride.

How does the delta/fidelity program with its fee structure compare to hiring a dedicated local financial advisor?

If I just let the investments run with its current lifecycle fund, am I paying management fees that are hidden? My local guy says I can bring that all under him and have a more focused and personalized strategy for a 1.3% annual fee.

What do you guys think?