[DamonHD]

I've not used a traditional financial advisor.

I did work in investment finance for ~20Y and I am aware that even the top people in the field don't have some secret book of predictions to make certain cash.

Because I worked in finance I basically wasn't allowed to have many bare stocks, so I'm in the habit of using funds.

I do take account of which vehicles my broker thinks are among the best, though they can be very wrong too.

I attempt to have a decent geographic spread, though have most where I think I'll be living/retiring so most likely to have results correlate reasonably with the economic environment that I'm in.

But I'm likely doing it all wrong, of course, and this is most definitely not advice for you from me.

[smarri]

"have most where I think I'll be living/retiring so most likely to have results correlate reasonably with the economic environment that I'm in"

This is interesting - why do you take this approach? (If you don't mind sharing)

[DamonHD]

For the reason given: I suspect that if my assets' values were severely dislocated from my local economic environment I'd either be very unhappy and poor, or likely unable to access or use any huge excess (eg might be taxed near to death).

I'm hedged in so far as ~50% is geographically in my area, and the rest well spread.

I also have some spread over asset classes (eg stocks vs bonds).