I've been a lurker here for a few years and always find the posts well thought out and interesting.Joyful-I especially love reading your thoughts and advice! I have a dilemma. I am not very investemnt savy, but I am reading some investment mags such as Money and the business news etc. and am willing to learn. My husband and I (54 years) started using a financial services investment planner 2 years ago. Yes, of course our statements have gone down. We are paying .25% with a minimum 625.00/qrt for them to invest on a balance of $164,000. Should we be doing this ourselves? I feel like that's more money out of our pocket. I don't know where to go from here.Any advice? We're saving about 25,000 per year towards retirement.