We consolidated our funds with Fidelity Investments. On average our investments increase 15% yearly. They take a percentage based on the value of our portfolio. You decide how aggressive you want to be with stocks, and they do the detailed buy/sells. They make more when we make more. An advisor is assigned to you. They also provide credit and debit cards, and checks, and you get cash back for using their card. I was able to retire last year at age 60.