[zie]

After you get over 1M+ AUM, your advisor should seriously think long and hard about lowering their fees, many will go down almost in half(.5%ER). Still high, but if you really desire hands-off do everything for me, it's reasonable.

Once you get to 30M+ invested NW, you can seriously think about a multi-family office and > 100M+ a family office just for you starts making sense.

Most people will have a hard time getting over 1M before retirement, so I left the other options off my original post.