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Thanks for the added comments guys. I'll read that Atlantic Monthly article Dave. Scott, interesting to read about your experiences with an advisor. It would be cool if there was a website that has a lot of that kind of information to help one sort that out! I'll do a search.

Thanks for the feedback guys! I am not totally surprised by your comments. Dave, you make it sound like going to a casino, like the saying goes, you can't beat the house! We may not be a millionaires, but I guess all I care about is that the IRA and self employed IRA money I have sitting at...

I didn't see any threads on this topic and I was hoping to get some unbiased insight. I am not the kind of person who is good at this. It takes a lot of effort to get my head around. Though I understand the basics of investing money. Early in my working career, I've always put money away...