We manage it all ourselves, including rebalancing and tax loss harvesting, to save on fees. We like Schwab. The fees are low. They offer their own low-fee index funds, plus those from other vendors including Vanguard. We found a local branch office advisor who is pretty sophisticated and gets our goals. He helped us kick the tires on whether to use insurance products to max out my wife's pension. As I recall, you get three free wire transfers a quarter, which is nice if the need ever arrives. We also linked our credit cards and my wife's 457, which we can't transfer to Schwab, so we can see our complete financial picture in one place. We use a spreadsheet with all investments anywhere to help us rebalance. Tax loss harvesting is the biggest pain, but getting used to this labor is just like anything else worth learning.