Edward Jones Acct Advice

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Frok
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9:14a, 12/17/25
AG
Hey all, looking for some advice.

Five years ago, a friend convinced me to consolidate my old 401(k)s into an IRA. I wasn't managing my money strategically, so I agreed.
He later left Edward Jones, and now I have an advisor I don't know. This advisor keeps asking for in-person meetings to keep managing my account. I'm too busy, so now the account is "unmanaged"whatever that means.
Now I'm wondering:

Should I leave the money where it is?
Or move it to a new IRA and manage it myself?

I'm also switching jobs in January, which means I'll have another 401(k) sitting idle with no new contributions.
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YouBet
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9:20a, 12/17/25
AG
Frankly, I would fire EJ and manage it on your own, or find a more reputable advisor. The chain financial firms mostly suck. Worst case - I would move your money to Fidelity and let them advise you with via human or robo advisement.
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BigN--00
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9:22a, 12/17/25
AG
My parents have a little bit of money with Edward Jones. As best I can tell they local guys are just salesmen. I would assume your money is still invested however it was when you started out. i don't love anything about Edward Jones but they have made my parents a some money and my mom likes talking to the guy one or twice a year.
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Kenneth_2003
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9:30a, 12/17/25
AG
You NEED to have that meeting.
Go look at the balance in that account(s). Quick questions you need to ask.
  • What was the account balance when you first moved your money to EJ
  • What was the account balance when your friend left EJ and your money stayed behind
  • What is the account balance TODAY?
  • How has your balance performed in respect to the broader markets over the same period? DJIA, S&P500, NASDAQ, and/or others?
You need to find out what fees EJ has and what level and type of accounts they (really and others) are offering

Plenty on this board are going to tell you to just pull the money out of EJ and manage it yourself. Well it's blindingly apparent that you don't want to manage the money yourself, as evidenced by the extreme hands off nature you've taken with it. In my opinion, that's fine. Some investors are content finding a broker with low or no fees, depositing the money, and putting it into an index fund. Others want more active oversight of their funds. You need to decide what is right for you.

Fees will destroy your nest egg though. That is absolutely the one thing that will completely eliminate growth.

Several years ago I rolled the 401(k) from a previous employer to a firm. The 401(k) had both ROTH and Traditional (pre-tax) holdings so I opened a ROTH IRA and a Regular IRA. One the firm invested in a large diversified basket of stocks that they chose. The other was a mixed bag of mutual funds. The stock account grew reasonably well. The mutual fund account was stagnant. I had another firm look it over and the answer was clear. I was WAY over diversified for the sake of diversification, yet many of those funds were all holding the same underlying equities. In the end I was paying 28 different people (funds/firms) for Apple stock (just one example). My guess, that firm was getting kickbacks or commissions of some kind on each one of those mutual funds.

I'm not with that firm anymore.

I'm not going to tell you to leave EJ. I'm not going to tell you to stay there. Have the meeting. Get the answers to the questions I posed above. Find out how EJ (and others) get paid; annual % of account balance, commissions off trades, kickbacks from funds, etc.?

Yes you can open an account with any number of firms. If you don't want to self manage, find someone that will do so for a fair cost that brings value to you.
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YouBet
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In reply to Kenneth_2003 • 9:50a, 12/17/25
AG
This is the logical thing to do if he's not going to move it. Agreed.
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Baby Billy
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In reply to Kenneth_2003 • 11:07a, 12/17/25
AG
Kenneth_2003 said:
You NEED to have that meeting.
Go look at the balance in that account(s). Quick questions you need to ask.
  • What was the account balance when you first moved your money to EJ
  • What was the account balance when your friend left EJ and your money stayed behind
  • What is the account balance TODAY?
  • How has your balance performed in respect to the broader markets over the same period? DJIA, S&P500, NASDAQ, and/or others?

Certainly information you should find out but definitely not the most important questions you should ask the guy.

You need to ask what his process is for adding value to his clients. He should talk about understanding your current situation in full detail first and then crafting a plan to make sure you get where you want to go. The investments are one of the mediums you use to get there, but tax efficiency, asset location, having the proper insurance in place, and coaching you through down markets are all just as important. Him being the steward of your plan is the true value in an advisor.


Your account performance relative to the S&P 500 doesn't mean jack.


Also, when he takes over the account none of the investments change, so they're all sitting there just as they were with the previous guy. Take the meeting and if he's not talking about these things then maybe look elsewhere and find somebody that does.
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IslandAg76
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12:05p, 12/17/25
AG
It's your money. If you don't have time to meet with a guy how will you have time to manage it yourself.
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Kenneth_2003
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In reply to Baby Billy • 12:44p, 12/17/25
AG
Agree with everything you said, especially regarding planning, strategy, insurance, and retirement goals and targets. Those are the services that a good financial planner should be doing for their clients and it absolutely needs to be tailored. No to clients will be identical.

I should have clarified the bullet points I made were questions he needs to answer now, ieally before meeting with the EJ guy. Whatever, if anything, is being done with his money, is it beating a mason jar in the back yard?

We all know that past performance is not indicative of future results. No index is perfect. But they are measuring sticks by which results can be judged.
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GeorgiAg
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1:02p, 12/17/25
AG
If it were me and didn't want to mess with it, I'd take the money and split it into percentages and buy these four:

- Dow Jones index fund
- S&P 500 index fund - I have VFIAX and it's had like a 15% return for the last 1, 3 and 5 years.
- emerging markets ETF
- Bond ETF

put like 25% in each and forget it. Check back in 5 years. The expense ratios on the index funds are like 0.04 - very low because the index funds manage themselves. You'd probably beat some advisors that churn and take commissions.

I have a SEP which is managed but then I have my private investment account. I am basically following that outlined above but I also like to tinker with individual stocks. I am not a financial advisor, just a dude on the internet.

How old are you?
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Frok
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3:55p, 12/17/25
AG
Appreciate the posts. I am in my 40s.

I'm not saying I don't want to manage it, I'm just more of a phone call/email guy, he requires an appointment in the office.

It's making me think that I'd rather just manage it on my own where I can tweak it myself. The problem is I just don't know much about it.

As for EJ, I don't think my money has managed poorly there, it's grown nicely.
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wcb
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3:57p, 12/17/25
AG
I have like 5% of my retirement w/ EJ. My balance grows fairly steadily each year so I've just left it. Just my personal experience..
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OldArmyCT
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3:59p, 12/17/25
AG
It's not the firm that jacks up fees or puts you in bad investments, it's the FA. If you don't know what you're doing put some effort into finding a good FA. And Edward Jones has some good ones, go online and find one. Most FA bios list their colleges, find an Ag and check his experience.
Fees normally come from mutual funds, every single fund has fees, that's how they make money, go online and research the fees. ETF's typically have lower fees, but not always. Now if you want that FA to pick stocks for you, or to assign your money to an outside manager, there will be a fee. That fee should go down as your account size goes up. Fees are better than commissions BC in a fee account when the FA makes changes it doesn't affect your costs. Most major firms do not allow fee transactions in retirement accounts without good cause.
Nobody works for free, so if you hire yourself make sure you're comfortable with the advice you give yourself. Read the investing advice posts in this thread and you'll figure out peple are all over the place and there's little consensus. Never take investing advice from a message board, you'd do better paying for a Motley Fool sub.
One last thing, if your account has no manager that usually means it's puny. Consolidate all of your puny accounts somewhere, and IMO Fidelity is a great place for puny accounts.
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permabull
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6:06p, 12/17/25
AG
EJ is known for a lot of class A front loaded funds and even spreading you across a bunch of fund families so you don't get too much money in a single family to qualify for the discounts.

Move it to a low/no fee platform (Schwab, fidelity, vanguard) and buy a target date fund for the year you want to retire and just ride it out.
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mosdefn14
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6:51p, 12/17/25
AG
Some guys on this thread are giving you good advice. And some have no clue what they're talking about.

If the guy refuses to work over phone or WebEx, that seems somewhat 1950s and would be enough reason to look for someone who does. He could be a very good advisor, but might not be a good advisor for you due to that.
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SquareOne07
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7:13p, 12/17/25
AG
Find yourself an advisor you like that works well within your framework. Don't be afraid to interview a few of them…figure out how they do business, how they're compensated, if they're a fiduciary (and understand what that means), etc.

It's your money, and if managed appropriately, a significant piece of your long term puzzle. Find somebody you trust with that piece of your future.

All that said, I love running into competitive situations against Ed Jones advisors…
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b0ridi
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In reply to OldArmyCT • 7:14p, 12/17/25
OldArmyCT said:
And Edward Jones has some good ones, go online and find one. Most FA bios list their colleges, find an Ag and check his experience.

Edward Jones has good salesmen, and plenty of them happen to be Ags.

OP: If you want a hands-off approach, try a target date fund from Vanguard/Fidelity etc or a fixed allocation fund like Vanguard's LifeStrategy funds. No need to give 1% of your money each year to the 23 year old with an Ag Leadership and Development degree and a good handshake.
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jja79
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9:02p, 12/17/25
AG
I've had good experiences with EJ. I've got a significant (to me) account with them and I've been really happy with the results and service. I live in Arizona and work with a guy in small town Texas . I met him once while back there visiting family and really liked him. The performance has been really more than satisfactory and the communication great.

He also has my mother's much larger account and that has done really well as well.

Find someone you like and trust, then evaluate their plan
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Baby Billy
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9:29p, 12/17/25
AG
Quote:
As best I can tell they local guys are just salesmen
Just factually incorrect. EJ has more CFP's than any other firm in the country.

Fact is it doesn't matter the firm. For most people they're all the same. They all have access to the same or comparable planning software and they all have access to investments and research that will get you where you want to go. Finding an FA you trust is what's most important
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OldArmyCT
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4:51a, 12/18/25
AG
This is just my opinion but I'd buy an S&P index fund before a target date fund. Especially if I were <50.
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Kenneth_2003
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In reply to mosdefn14 • 7:17a, 12/18/25
AG
mosdefn14 said:
Some guys on this thread are giving you good advice. And some have no clue what they're talking about.

If the guy refuses to work over phone or WebEx, that seems somewhat 1950s and would be enough reason to look for someone who does. He could be a very good advisor, but might not be a good advisor for you due to that.

My take on the over the phone vs in person...
He knows that if he can get you into his office for a face to face you're less likely to, at least at that time, take your business elsewhere. It's not 1950's, it's salesmanship. An in-office meeting lets him set the mood and the temperature of the meeting and better control the messaging. On the phone or even a zoom call adds that layer of anonymity/insulation that makes it easier for the client to just cut him off and instruct him to initiate account closure & fund transfer.


OP...
You mentioned that the accounts have seen decent returns recently. I implore you, don't let that deceive you without something to baseline it against. The broader markets as a whole have been on a nice run (excepting a few short blips) really going back Q4 2023. Make sure that your portfolio performance after fees is providing value.
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halfastros81
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9:18a, 12/18/25
AG
Just curious , If you liked the guy at Edward Jones that left do you know where he went? That might be worth finding out and talking with him on the phone.

I'm not saying you need to meet with anyone in person but if you don't take the time to find out how your money is being invested and how it's performing your'e going to regret it when you get closer to the end of your career . Your employer doesn't own you. You need to allocate some time to educate yourself for you and your family's future as well.

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Baby Billy
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In reply to Kenneth_2003 • 9:25a, 12/18/25
AG
Kenneth_2003 said:



OP...
You mentioned that the accounts have seen decent returns recently. I implore you, don't let that deceive you without something to baseline it against. The broader markets as a whole have been on a nice run (excepting a few short blips) really going back Q4 2023. Make sure that your portfolio performance after fees is providing value.

Still doesn't matter because you're comparing apples to oranges. The S&P 500 is 100% Large Cap Domestic. Unless his accounts are also 100% Large Cap Domestic then you can't compare the two.

If you want to play that game then you need to look at his allocations and find the corresponding indexes to compare to.

Even then, the "fees" aren't to outperform certain indexes. They're for crafting and being the steward of your plan. The measure of success for rate of return is whether or not you're getting the average annual total return that the plan needs to be successful.
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AggiEE
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11:09a, 12/18/25
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?
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YouBet
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11:18a, 12/18/25
AG
1. Agree it's weird he requires an in-person. That smells like snake oil salesman entrapment. I have four scheduled Zooms per year with one of those being an in-person where my guy travels to our house which is way the f' out of his way. He's in Pittsburgh and we are on the Texas Coast. He will plan a road trip to see all of his Texas clients, and we are on the outer spur being where we are. Outside of that I call or email him ad-hoc anytime I want so we end up meeting much more than 4 times per year even if I just want to bounce something off of him.

2. If you have enough money maxing all of your traditional asset classes and mixes, I'm not sure EJ has the access that some of the bigger firms do. Maybe they do; I don't know. I can invest in some exotic **** if I want to with my guy. Obviously, that stuff can be higher risk, but I have the option if I want it. I've thrown some money at a few more exotic setups to test the waters.

3. 1.5% is criminally high if that's what they charge. I pay a fixed fee that has a little bit of inflationary increase every year but as % of assets it's extremely low.
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GeorgiAg
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In reply to AggiEE • 11:56a, 12/18/25
AG
AggiEE said:
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?

Index funds are 0.04% On a million, the difference over ten years would be $146,000 not including compounding. That makes it even worse.

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b0ridi
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In reply to GeorgiAg • 11:58a, 12/18/25
GeorgiAg said:
AggiEE said:
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?

Index funds are 0.04% On a million, the difference over ten years would be $146,000 not including compounding. That makes it even worse.


And in addition to the yearly fee, they might be using mutual funds with loads, making it even worse.
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GeorgiAg
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In reply to b0ridi • 12:14p, 12/18/25
AG
b0ridi said:
GeorgiAg said:
AggiEE said:
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?

Index funds are 0.04% On a million, the difference over ten years would be $146,000 not including compounding. That makes it even worse.


And in addition to the yearly fee, they might be using mutual funds with loads, making it even worse.

yeah, when I first started working, the investment options we had in the 401k were a bunch of garbage. I was in my late 20s and 30s. I wanted to just stick it in an index fund 100% and let it ride but couldn't do it. Pissed me off. I would have made so much more money.

A fund like VFIAX averaged about 9-10% per year since 2000 with a cost of 0.04% Easy money when you have time on your side.
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B$Weigem
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In reply to Frok • 12:25p, 12/18/25
AG
Virtually every advisor looks good on paper over the last two years. In a bull market, creating and managing an investment mix is often the easier part of the job.

The real difference tends to be in the details and the advice surrounding the investments. There are usually important data points missing early on that a good advisor will uncover to add both immediate and long-term value.

Advisors are paid a management fee, but they earn it through timely, thoughtful guidance and not just portfolio construction.

For example, questions around Roth eligibility, employment transitions, and whether a 401(k) accepts rollovers can materially change planning decisions. In some cases, strategies like avoiding pro-rata issues and evaluating whether backdoor Roth conversions make sense come into play and in other cases, they don't.

That's why working with someone who coordinates well with a CPA and other professionals can be important.
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AggiEE
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In reply to B$Weigem • 12:37p, 12/18/25
B$Weigem said:
Virtually every advisor looks good on paper over the last two years. In a bull market, creating and managing an investment mix is often the easier part of the job.

The real difference tends to be in the details and the advice surrounding the investments. There are usually important data points missing early on that a good advisor will uncover to add both immediate and long-term value.

Advisors are paid a management fee, but they earn it through timely, thoughtful guidance and not just portfolio construction.

For example, questions around Roth eligibility, employment transitions, and whether a 401(k) accepts rollovers can materially change planning decisions. In some cases, strategies like avoiding pro-rata issues and evaluating whether backdoor Roth conversions make sense come into play and in other cases, they don't.

That's why working with someone who coordinates well with a CPA and other professionals can be important.


As a one time flat fee when needed

Most people do not have major changes required to their planning. It's a one and done, yet the industry continues charging exorbitant AUM fees EVERY YEAR yet they incur no risk on this money unlike the investor which bears all the risk.

They often justify the AUM through added unnecessary complexity to your plan
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Baby Billy
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In reply to b0ridi • 1:03p, 12/18/25
AG
b0ridi said:
GeorgiAg said:
AggiEE said:
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?

Index funds are 0.04% On a million, the difference over ten years would be $146,000 not including compounding. That makes it even worse.


And in addition to the yearly fee, they might be using mutual funds with loads, making it even worse.

This shows how little you know about this stuff
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Baby Billy
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In reply to AggiEE • 1:34p, 12/18/25
AG
AggiEE said:
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?

There's a hell of a lot more that goes into your total return over the course of your life than baseline account performance. Asset location, tax efficiency/loss harvesting, distribution order, avoiding planning mistakes, behavior during down markets, etc. All of these things impact your total return and are completely separate from how the actual investments performed. If any combination of these is at least 1% better than you could do on your own, then a 1% AUM fee could make sense for that person.

Time, record keeping, and coordination with your CPA and Estate Attorney on your behalf is also worth something to some.


Again, if you want to stick everything into the S&P 500 and are capable and have the desire to do all of these things yourself, then don't bother with an FA. If you want that type of advice but want to handle all the execution on your own, find someone that charges a flat fee.


Bottom line, there is plenty of value in a *good* FA that is actually doing all of these things. Some people are willing to pay for that and others aren't. Just like any other service on the planet.
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AggiEE
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In reply to Baby Billy • 2:30p, 12/18/25
Baby Billy said:
AggiEE said:
Their fees before looking at mutual funds are around 1.5%

This is enormous. On a $1M portfolio that's $15,000 per year. If your real returns are estimated at 4%, they are taking nearly 40% of your expected returns every year. Highway robbery unless without them you'd be unable to stay the course or know how to allocate to basic index funds.

Are you getting that level of service?

There's a hell of a lot more that goes into your total return over the course of your life than baseline account performance. Asset location, tax efficiency/loss harvesting, distribution order, avoiding planning mistakes, behavior during down markets, etc. All of these things impact your total return and are completely separate from how the actual investments performed. If any combination of these is at least 1% better than you could do on your own, then a 1% AUM fee could make sense for that person.

Time, record keeping, and coordination with your CPA and Estate Attorney on your behalf is also worth something to some.


Again, if you want to stick everything into the S&P 500 and are capable and have the desire to do all of these things yourself, then don't bother with an FA. If you want that type of advice but want to handle all the execution on your own, find someone that charges a flat fee.


Bottom line, there is plenty of value in a *good* FA that is actually doing all of these things. Some people are willing to pay for that and others aren't. Just like any other service on the planet.


The biggest driver of returns will be asset allocation, behavior, and time.

These other factors such as tax optimization, tax loss harvesting, etc come nowhere close to 1.5% annually.

Secondly, why should advice on what accounts to prioritize and funds to use cost an annual fee if all you need advice on is how to set things up?

It is not difficult to tell somebody to prioritize tax sheltered accounts and invest in index funds and don't market time….and that is one sentence that covers almost all of what you actually need to know
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kyledr04
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2:42p, 12/18/25
AG
Ej is ok for some stuff just be aware of loads and annual fees because they can be brutal. Depends on your needs, balance, and literacy.
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The Collective
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2:49p, 12/18/25
AG
I get being busy, but hell, it's your money. You are presumably busy trying to make money - so, I don't see why you wouldn't prioritize some of the money you put away? If it's more, you want to ignore the in-person headache and impending sales pitch - I totally get that. If you go to an online brokerage - they'll be able to handle much of the process for you.
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GeorgiAg
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3:16p, 12/18/25
AG
No one has given him the real advice yet?


Go all in on WWR. You'll get a lambo - any day now.
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