Any time SB. Smart people let the pros manage their rather substantial retirement account. I personally stayed with Fidelity and would recommend them - or, another professional group - to all. Never, never trust “ a friend” who happens to “ be in the business”. Fidelity managed Verizon Pension and 401K accounts and I just played it safe and stayed with them.

BTW, do you know Brian? Like I said, he may wind up being right one of these days.

Have a nice night and Go ONCI