Should I open a Roth IRA with WiseBanyan?
I already have a taxable investment account with them (I was working abroad and ineligible for tax advantaged retirement accounts) and am very happy so far. I like the diversification, use of ETFs (Vanguard and Schwab), automatic rebalancing, low fees, and tax loss harvesting (I was a founding member so I don't pay for this, for now).
Since I'm technically invested into many different ETFs, is there any disadvantage to having all of my eggs "in one basket" so to speak with WiseBanyan? Technically not everything is with them, as I'm also planning on investing in my new company's 401K plan and an HSA savings account.
Also they're recommending 82% stocks/18% bonds for my Roth, any comments? I think I'm ok with since I have decent amount of stable assets to offset the low bond ratio and I'm only 27.
