[zerkten]

Hiring an independent financial adviser was one of the best decisions I've ever made. It's an occasional check-in to support decisions I make around investments with Vanguard and my 401k. Finding an adviser is the hard part, so it's worth talking to a bunch of people so you can find someone that's comfortable with what you want to do.

I got the Wealthfront pitch when I started with my employer, but I feel much better with my current arrangement. Your comment "I have very little choice but to stay put" is never nice to hear in any context, so I hope you can move along from that place.

[toomuchtodo]

You must ensure that your financial planner or adviser is a fiduciary. Otherwise, they have no obligation to advise or act in your best interests.

http://www.cnbc.com/2015/06/16/is-your-advisor-a-fiduciary-c...